I had no issues accessing their website. Seems working fine. And no, if you want to do the mega backdoor Roth, you must setup your own non-prototype plan.

The annual $20 account service fee is usually charged for each mutual fund account with a balance below $10,000, although it can be waived for the following circumstances: Subscribe to electronic delivery of statements and confirmations; maintain an individual combined balance of $50,000 or more for all T. Rowe Price accounts (including mutual funds, Brokerage, and Small Business Retirement Plans); or qualify for the T. Rowe Price Summit Program.

You’re limited to only T. Rowe Price’s +150 no-load mutual funds – which some are decent. I’m investing in a couple of their stock funds and their target date Retirement Blend fund, which is cheaper than their regular target date fund.

Looks interesting, we’ll check it out. It does look like there are some annual fees if you don’t meet account minimums. Do you have them? Are you limited on investment choices?