Inactive 401(k) fee review

See what an old 401(k) may really be costing you.

This review is built for former-employer retirement accounts. It helps households compare fund costs, plan-level recordkeeping and administrative fees, and a possible rollover structure without having to reverse-engineer the statement first. Five minutes, no account login. Results are illustrative and not a projection of future performance.

Educational tool only. Camba Capital is not yet registered as an investment adviser and is not currently providing advisory services. This calculator is for informational purposes only and does not constitute investment advice or a recommendation to buy, sell, or roll over any account.

Walk it through with Dan Zimon

The calculator runs the fee math. The actual rollover decision. Taxable vs in-kind transfer, NUA analysis on company stock, beneficiary designations, target-account selection. Is the kind of decision that benefits from a conversation, not a chart. A first call with Dan Zimon is thirty minutes, no cost, no commitment.

Schedule a free 30-minute call or call (631) 403-0677 →

Pension lump-sum vs annuity →Social Security claiming-age →Full retirement plan analyzer →

What you tell Camba

A cleaner read on what the former plan is charging.

This tool is built for retirement accounts that have been left behind at a former employer. It does not tell you what to do. It shows the fee stack clearly enough that the decision can be reviewed honestly.

Current balanceYears until you'd begin drawing from itReview type

Old plan

Current former plan

Percent fees

Investment / advisory fee %Fund expense ratio %

Target

Target rollover setup

Percent fees

Advisory fee %Fund expense ratio %

Advanced fees & return

Recordkeeping, administrative, custody, and the assumed gross return. Camba pre-fills reasonable defaults. Adjust only if your statements say otherwise.

Company stock in this plan? (NUA strategy)

If a portion of your former-plan balance is in employer stock (e.g., Northrop Grumman, Pfizer, BMS, ExxonMobil), the Net Unrealized Appreciation strategy can produce materially better tax outcomes than rolling the stock into an IRA. Most fee calculators ignore this entirely.

What It Costs Today

$925

Estimated annual drag on the current balance, including investment fees, fund expenses, recordkeeping, and plan administration.

Difference Today

$475

Estimated annual cost gap between the former plan and the comparison structure.

Tax cost if you cashed it out

Many former-plan members consider taking the money out instead of rolling over. The math on that is brutal: at a 28.85% combined marginal rate plus a 10% federal early-withdrawal penalty for under-59½, cashing out a $50,000 balance would cost approximately:

Total tax owed

$19,425

38.9% effective rate (incl. $5,000 early-withdrawal penalty)

Net to the household

$30,575

After federal+state withholding and penalty

Rolling over preserves tax deferral; nothing is owed at the rollover itself. This card frames the cost of NOT rolling over. I.e., the cost of cashing out instead.

Fee Ledger

Current former plan

Investment management: $325
Fund expenses: $275
Recordkeeping: $225
Administration: $100
Total drag: $925 (1.85%)

Target rollover setup

Advisory fee: $400
Fund expenses: $50
Custody / platform: $0
Total drag: $450 (0.90%)

What This Means

There is a real cost difference worth reviewing.

The gap is not catastrophic, but it is large enough that a side-by-side review of the old plan's fees, investment menu, and rollover alternatives is justified.

See the long-term impact

Enter a name and email to reveal the cumulative plan overhead over 15 years and the illustrative long-term difference between the current and target fee structures. Camba Capital uses this only to follow up. Never to sell a list.

Next step

A rollover decision is one part of the picture, not the whole picture.

Dan Zimon walks Long Island households through every line of a former-employer plan. Fund expense ratios, recordkeeping fees, plan-level admin overhead, the rollover decision tree, and how it coordinates with the pension and Social Security. The calculator frames the cost. The conversation decides the move.

Schedule a free 30-minute call How the process works