401(k) Fee Disclosure Form. ACLI, working with the American Bankers Association and the Investment Company Institute, developed a 401(k) Fee Disclosure Form designed to assist companies in making informed cost-benefit decisions when selecting 401(k) service providers. Boost Retirement Savings with Tax Refund. Before spending your refund, consider what it might be worth if invested for the future. By our calculations, $2318 -- the average tax refund from the IRS -- could grow to more than $13,000 in 30 years. Today's refund can help you reach a comfortable and financially secure tomorrow.