FEEDUCIARY benchmarks your 401(k) fees against current market rates for plans your size — producing a defensible record for your fiduciary file.
Input your plan's total assets, participant count, and fees from your 408(b)(2) disclosure. Takes under 5 minutes.
FEEDUCIARY classifies your plan by size tier and compares your fees to the low, mid, and high market ranges.
Receive a clear verdict (below / at / above market) with an estimated savings opportunity and your benchmark details.
The free Basic report benchmarks your recordkeeping fees — the most common and often the largest single fee component — against current market rates for plans your size.
PRO benchmarks every fee component your plan pays — giving you a complete picture of your plan's total cost and a downloadable report for your fiduciary documentation file.
Downloadable PDF Report
Every PRO report includes a one-click PDF download — formatted with your plan name, benchmark data, per-component verdicts, and ERISA disclaimer. Ready to attach to your fiduciary file or meeting minutes.
ERISA requires plan sponsors to document their fee review process. The PRO PDF report gives you a timestamped, formatted record of your benchmark that can be attached directly to your investment committee minutes or plan fiduciary file — no reformatting needed.
Acme Corp 401(k) Plan
Plan Year Ending December 31, 2024 · PRO Report
Above Market — Action Recommended
Estimated savings: $22,500/year
| Component | Annual | Verdict |
|---|---|---|
| Recordkeeping | $18,750 | above |
| Advisor | $12,500 | at market |
| TPA | $4,200 | below |
| Fund Expenses | $9,800 | at market |
| Total All-In | $45,250 | above |
For informational purposes only. Not legal or fiduciary advice.
| Feature | Basic | PRO |
|---|---|---|
| Recordkeeping fee benchmark | ||
| Advisor fee benchmark | — | |
| TPA fee benchmark | — | |
| Audit fee benchmark | — | |
| Fund expense ratio analysis | — | |
| Total all-in fee analysis | — | |
| Benchmark gauge visualization | ||
| Estimated savings opportunity | ||
| Report history | ||
| Downloadable PDF report | — | |
| Priority email support | — | |
| Start Free | Get PRO |
Your plan data — including EIN and fee details — is sensitive. We treat it that way.
Row-Level Security
Database-enforced isolation: you can only access your own data, even if a bug exists in our application layer.
EIN Never Exposed
Your Employer Identification Number is stored encrypted, never in URLs, and never logged.
Private Document Storage
Uploaded fee disclosures and generated reports are stored in private, authenticated-access-only buckets.
A 25-person plan should not be compared to a 5,000-person plan. We segment benchmarks by assets and participant count — the same way the DOL and industry researchers do.
| Tier | Plan Assets | Participants | Market Range (per participant) |
|---|---|---|---|
| Micro | < $1M | < 50 | $90 – $300 |
| Small | $1M – $10M | 50 – 199 | $60 – $160 |
| Mid | $10M – $100M | 200 – 999 | $45 – $110 |
| Large | $100M – $250M | 1,000+ | $30 – $85 |
| Mega | > $250M | 5,000+ | $20 – $65 |
Benchmarks derived from Vanguard's pricing model and industry research. Updated periodically.
The Basic report is free. No credit card. No consultant needed. See where your plan stands in under 10 minutes.
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