401k-plan-decoder

解析企业401(k)计划，计算费用、匹配与归属并给出使用建议。

把公司发的401(k)计划读成你能看懂的数字：计算基金真是费用、匹配规则、vesting归属和长期美元成本。适合想知道“我的401(k)值不值”、在哪些基金上花冤枉钱、或不确定匹配到底怎么算时使用。会给出费用的时间化金额、匹配与归属的数学解释，以及要问HR的关键问题。

# 401k Plan Decoder Skill

Nobody reads the 401k enrollment packet, which is how a 0.9% expense ratio quietly eats six figures of a career's compounding. This skill reads it: what the funds actually cost in dollars over time, what the match really promises once vesting and true-up fine print are applied, and which plan features (Roth option, brokerage window, loan terms) matter for this person. It decodes cost and structure — it never picks investments.

## What This Skill Produces

- The fee decode: each relevant expense ratio and admin fee converted to dollars-over-career on the user's numbers
- Match math with the fine print applied: per-paycheck vs. annual true-up, vesting schedule, what