Well, this is the fallout from a new rule that will require brokers to fully disclose all commissions on investments in retirement accounts -- and to put their clients' interests ahead of their own! Many firms have decided not to let brokers charge commissions at all for retirement account investments; instead they will charge a fee. given the small size of your account, the fee will be exorbitant. Here's the solution: Immediately contact Vanguard ((www.Vanguard.com) or Fidelity (www.Fidelity.com) and tell them you want their help to do a DIRECT IRA ROLLOVER of your account. They will give you a choice of mutual funds appropriate to your situation. And they will encourage you to sign up for an automatic monthly contribution to your IRA, which is a GREAT idea. And the cost will be miniscule.