To be charged 5.7% to make Keogh contribution is outrageous. Get out as fast as possible. Regarding your 1998 contribution, you can go to any discount brokerage (Fidelity & Schwab for sure) and open a Keogh account, literally for free. If you are hesitant as to how to invest the money once it is in the account, put it all in a money market account yielding 4% until you feel more comfortable.
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