<prompt> Human: The company I work for is moving from Vanguard to Northwestern Mutual for its Simple IRA. If I roll over my existing Simple IRA I have to pay a 4.5 sales load. Is there any benefit to doing this? I have about 45k in the Simple IRA with Vanguard in one of their funds VASGX so that ends up being 2k Im losing right way. The new Simple IRAs payments go their Flexible Payment Variable Annuity Account B which Im not sure exactly how it works.Obviously going forward Ill have to use thew new account since my employer matches, but im not sure if moving my existing stuff over is worth the 4.5 Are the benefits of having the annuity worth the 4.5?Update: Thanks for the info. I didnt roll it over.  <response>: Do not roll over your account. There is no benefit to paying 4.5 to move the money to a worse company. 