401k Fee Comparison Tool

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Inspired by a conversation on:

DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing

What to Do With Your 401k After Changing Jobs?

Host: Quint Tatro & Daniel Czulno, CFP®

Timestamp: 08:11 - 09:01

Listen to Episode • View Podcast • All Ideas from DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing

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Direct Quote

"You might have to ask HR for that information. They might look at you like you've got three heads because I'm guaranteeing no one has asked them that."

Market Gap

Employees lack transparency on 401k fees and options.

Many employees changing jobs face confusion regarding their 401k options, particularly concerning fees and investment choices. Often, they have multiple 401k accounts from various employers and are unaware of the associated fees and investment performance. This lack of knowledge can lead to poor financial decisions, such as rolling over to a high-fee plan or ignoring better investment options. Without a clear comparison of fees and investment choices, employees may inadvertently lose money or miss opportunities for growth. As more workers change jobs frequently, the need for transparency and simple comparisons of 401k options becomes increasingly important.

Summary

The business idea is to create an online tool that allows employees to easily compare the fees and investment options of their current and new 401k plans. This tool would aggregate data from various 401k providers, enabling users to input their existing 401k details and the new plan’s information. The tool would then generate a detailed report highlighting differences in fees, investment options, and overall performance potential. This service could be marketed to HR departments in companies as a resource for their employees, or directly to employees as a personal finance tool. By helping users understand the implications of their 401k decisions, this tool can empower them to make informed choices about their retirement savings.

Categorization

Business Model

SaaS

Target Founder

Technical

Difficulty

Medium

Time to Revenue

3-6 months

Initial Investment

$1,000-$10,000

Potential MRR (18-24 months)

Conservative

$2,000 - $5,000 MRR

Moderate (Most Likely)

$10,000 - $20,000 MRR

Optimistic

$30,000 - $50,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity

8/10

Novelty

7/10

Feasibility

6/10

Market Potential

8/10

Evidence

7/10

Overall

7.2/10

Found on October 1, 2025 • Analyzed on October 1, 2025 9:33 AM

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