Originally Posted by crazyjaydawg

I know you’re smarter than this, but the 1.85% is a one-time savings, not an annualized return. The simple math that you posited is not connected to reality. For someone with 30 years, to even make a rough estimate, I would need to divide 1.85% by 30 which gives an annualized .061% savings; using you’re example would give something close to a 4.41% return on the MBCBP. Essentially negligible.

However, if you’re close to the 59.5 in-service withdrawal eligibility then maybe the 1.85% is a bigger share of what returns you have left. For those of us with more than 5 years to that age, there’s no way we can add that 1.85% as an annualized return.