You need access to the historical account statements. What was it invested in? Were any changes made to the account over the years (rebalancing, selling a fund,

You need access to the historical account statements. What was it invested in? Were any changes made to the account over the years (rebalancing, selling a fund, buying something new, etc), or was it "set it and forget it"? Was there an "advisor" involved? If so, how often were meetings with the advisor? Odds are it was invested in something very conservative, like a few "bond funds", returning 3 to 4% before fees, giving you mediocre returns. But don't get excited, even with all this information, there is nothing you can do. "Past performance is no guarantee of future results", as they say. Also, being angry with the customer service person isn't going to do anything. Those folks do things like tell you how to transfer your money out, initiate password resets, mail out forms, etc. They're not the ones "managing" your funds, and they likely have very little financial knowledge.