Reallo(k)ate Calculator

See what your current retirement plan spend could be doing for your business

You're already paying for a retirement plan. This calculator shows the hidden costs your current setup isn't addressing — and how reallo(k)ating that spend toward the Four Lever System could change the math.

Your Business

Number of Employees

Total company headcount (10-99). For 100+ employees, use the Workplace Financial Solutions calculator.

Average Employee Salary ($)

Company-wide average ($25,000-$200,000)

Annual Turnover Rate (%)

Current Plan Spend

Current Annual Advisor/Consultant Compensation ($)

What you're paying your retirement plan advisor each year. Two easy places to find it: (1) your annual plan fee disclosure from your TPA or recordkeeper (sometimes called a "408(b)(2) notice") — look for the section labeled "Direct Compensation" or "Service Provider Compensation," or (2) just ask your advisor directly. If it's shown as a percentage (e.g., 0.50% or 50 bps), multiply that by your plan's total assets to get the dollar amount. Leave blank to see results using 401Grow pricing as an illustrative baseline (not a quoted fee).

Approximate Plan Assets ($)

Total 401(k) plan balance. Used to calculate 3(38) fiduciary cost (5 basis points).

401Grow Four Lever System: /year
$3,997 base + $50/employee

Projection Scenario

Using conservative assumptions across all projections.

Assumptions last updated: March 2026

Projected Net Annual Savings

Conservative

Base

Upside

Reallo(k)ate Impact

Your current advisor spend of covers of the 401Grow Four Lever System cost of .

The Hidden Cost of Doing Nothing

Lost productivity from financial stress
Employee turnover
Absenteeism from stress

Annual hidden cost

Projected Annual Savings (Conservative)

Turnover reduction ()
Productivity recovery ()
Reduced absenteeism ()

Projected annual savings

You've seen the dollars. Now see where your business stands across all four levers — turnover, tax, operations, and transferable value.

Take the Business Value Assessment →

Want to discuss these numbers?

Book a discovery call. No pitch — just a conversation about whether Reallo(k)ating makes sense for your business.

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Calculator Assumptions and Sources

PwC 2026: 59% of employees say they are stressed about their finances right now (nearly 3,500 employees, January 2026)
John Hancock 2019 (vendor survey): ~$1,900/employee annual productivity loss and absenteeism from financial stress
SHRM: Turnover costs 6-9 months of the departing employee's salary (using 7.5 month midpoint = 0.625x)
SHRM: Financial wellness programs reduce turnover 15-25% (estimated range)
Absenteeism: 2.5 extra days/year for financially stressed employees (conservative estimate)
Productivity loss applied only to the 59% of employees reporting financial stress
3(38) fiduciary cost: 5 basis points on plan assets (deducted from reallocation)
Conservative: 15% turnover reduction, 10% productivity recovery, 10% absenteeism reduction
Base: 20% turnover reduction (SHRM midpoint), 15% productivity recovery, 15% absenteeism reduction
Upside: 25% turnover reduction (SHRM high end), 20% productivity recovery, 20% absenteeism reduction
All outputs are directional estimates. Not guarantees.

This calculator provides directional estimates for planning purposes only. It is not investment, tax, or legal advice. Actual results depend on your specific situation. Validate all projections with your CPA and advisors before making decisions.