Fiduciary Risk Score Calculator
This tool turns a few questions about how your plan is run — fees, fund choices, proprietary products, monitoring — into a 0–100 fiduciary-risk score, helping you see how many of the patterns common in ERISA cases apply to your plan.
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.
Fiduciary Risk Score Calculator
The people who run your plan are legally required to look out for you. Answer a few simple questions and we'll score how risky your plan looks — a higher score means more of the warning signs that show up in real cases. Not sure on a question? Pick 'I don't know' — that's an answer too.
More warning signs doesn't prove wrongdoing — but it means your plan looks more like the ones that have ended up in these cases. The only way to know is a free review.
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.
How to read your result
- Higher scores mean more patterns common in ERISA cases are present.
- A high score is not a finding of breach — it's a self-assessment.
- It's a useful triage tool before requesting a free review.
- Even a moderate score can be meaningful when one factor is severe.
Common reasons plans get reviewed
If your result looks concerning, these are the practice areas that most often line up with what this tool measures.
Frequently asked questions
Does this tool cost anything?
No. It's free, anonymous, and there's no obligation. You don't have to share your contact info to use it.
Is this a guarantee of how much I can recover?
No. It's an illustrative estimate, not legal advice or a prediction of any individual outcome. Actual results in ERISA cases depend on the facts of the plan and the court.
What should I do if my result looks concerning?
Request a free, confidential case review. An ERISA attorney will tell you honestly whether your situation looks like a case.
How are the figures calculated?
Using transparent, illustrative formulas — compounding projections, published fee benchmarks, or weighted self-assessment scoring. The component shows its assumptions inline.
What's considered a 'high' fiduciary-risk score?
Scores above ~60 indicate several patterns common in cases. Anything above ~75 typically warrants a free review.
Related calculators
All calculators →Was your 401K plan named in a lawsuit?
A licensed ERISA attorney from ERLG will respond within one business day. Confidential. No cost to consult.
- 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.