Dear Harry: I recently left a job to move to a similar one nearer to where I live. When I left the old job, I elected to leave my 401(k) with the old company. Shortly afterward, I got some paperwork which indicated that they were going to charge me $50 a year to continue in the plan. That prompted me to look at plans with two other employers with whom I also left my 401(k)s. Sure enough, they also had charges: one for $50 and the other for $40. None ever charged while I worked there. I was never told in advance about any of the charges. It just seemed to be less hassle to leave them than to roll them over to an IRA. My present employer will allow me to roll over these plans to my present plan at no charge. I am considering this against a rollover to an IRA. Which way should I go?