Free Retirement Plan & ERISA Calculators
See whether your plan's fees and performance look reasonable — or whether a free legal review is worthwhile. Fifteen tools, no signup required.
What these calculators do
These free, anonymous calculators estimate how plan fees, underperformance, and fiduciary issues may have reduced a person's retirement savings — and help you see whether a free legal review is worthwhile. They're illustrative starting points, not legal or financial advice.
Is your 401(k) quietly costing you money?
Most people have no idea what their workplace retirement plan charges them — or how much it quietly adds up to over the years. These free tools spell it out in plain English. No jargon, no cost, and nothing you need to look up.
401(k) Fee Impact Calculator
Every 401(k) charges fees — but they're buried where you'll never notice them, and even a 1% fee quietly drains your savings for decades. In about 30 seconds, see roughly how much yours could cost you by the time you retire. You don't need to know anything about your plan — we've filled in typical numbers you can change if you want.
That gap is money that could have stayed in your account and grown for your retirement — instead it's going to fees. If your plan charges far more than a low-cost one, it can be worth finding out why. A review is free and confidential.
Worried by what you see? Talk to an attorney — free.
You don't have to understand any of this. If these numbers look off, a free, confidential review will tell you in plain English whether your employer's plan may owe you money. You pay nothing unless money is recovered, and your employer is never contacted without your okay.
A quick note. These tools give rough, illustrative estimates based only on what you enter and on simple assumptions (steady yearly growth, no taxes). They are not financial or legal advice, not a prediction of any outcome, and they don't prove that anyone did anything wrong or that any money can be recovered. Any actual recovery is decided by a court and depends on facts these tools can't capture. Using this tool doesn't make us your lawyers, and prior results don't guarantee a similar outcome. Attorney Advertising.
All 15 calculators
Fees & Costs
Quantify what your plan's fees may be costing you over time.
Free calculator showing how your 401(k)'s annual fees reduce your retirement savings over time versus a low-cost plan.
Compare the 401(k) fee you think you pay with the estimated all-in cost hidden in expense ratios and revenue-sharing.
Fees don't just cost the fee — they cost the growth that money would have earned. See the full compounded loss.
Recordkeeping should be a reasonable flat per-participant fee. Estimate the excess and what it costs you over time.
See what share of your final retirement balance is quietly eroded by plan fees over your career.
Losses & Recovery Context
Frame the size of potential losses and class-wide context.
Estimate the total retirement savings you may have lost to excess fees and underperformance versus a prudent benchmark.
For employees: estimate what mismanagement of your workplace retirement plan may have cost your own savings.
Compare two employer-plan scenarios side by side, accounting for both fees and returns, over the full horizon.
An illustrative estimate of plan-wide alleged loss — not a prediction of any individual settlement or recovery.
Fiduciary & Risk Scores
Score how closely your plan resembles patterns common in ERISA cases.
Answer a few questions to estimate your retirement plan's fiduciary-risk profile on a 0–100 scale.
Illustrate the gap between your plan and a prudent fiduciary's fees and returns. Estimate, not a legal finding.
Check the warning signs common in retirement-plan mismanagement cases and see how many apply to your plan.
Transparency is a fiduciary duty. Rate how clearly your plan discloses its costs — a low score is itself a concern.
Benchmark & Qualify
Compare your plan to typical ranges and screen your situation.
Answer a few quick questions to gauge whether your retirement-plan situation may be worth a free ERISA case review.
See how your plan's fees, recordkeeping, and expense ratios compare to typical ranges — and whether they're above the norm.
How these tools work
Each tool uses transparent, illustrative methods: compounding projections, published fee benchmarks, or weighted self-assessment scoring. They show their assumptions inline.
Disclaimer: Results are illustrative estimates — not legal or financial advice, not a prediction of any individual outcome. Tool assumptions, benchmarks, and all claims require attorney/compliance review before publishing.
A free, confidential review takes about five minutes.
If a calculator suggests your plan deserves a closer look, request a free review. No pressure. No cost.
- Speak directly with an ERISA attorney.
- Contingency representation — no fee unless we recover.
- Confidential. Your employer is never contacted without your consent.
Was your 401K plan named in a lawsuit?
We'll listen, ask a few questions, and tell you honestly whether your situation looks like a case. No pressure. No cost.
- Speak directly with an ERISA attorney.
- Contingency representation — no fee unless we recover.
- Confidential. Your employer is never contacted without your consent.
A few quick questions — no legal or financial know-how needed. We'll give you an honest read on whether your situation is worth a closer look.
What kind of retirement plan do you have through work?
Don't worry if you're not sure — just pick the closest one.