Tom,

Welcome back!  And, it's great to hear from you again.

I believe Regal 56 accurately answered your questions about the Annual August Ten Dollar Per Mutual Fund Fee for any fund in an IRA that is under $5000.00, with the $50,000.00/$100,000.00 exceptions.  Unless, that has changed recently.

You do have the option to send TRP a check, or it will just be deducted around the second week in August.  They have a form you can download from the website.  It's called the " IRA and ESA Fee Prepayment Form ".

http://www.troweprice.com/common/indexHtml3/0,0,htmlid=13,00.html?rfpgid=10650

Regal,

I believe that fiduciary fee is only charged to IRA and ESA accounts.  TRP has not charged me any fees for being in PRFHX, Tax-Free High-Yield, and under $5000.00.  However, I am using their Automatic Asset Builder which allows them to waive their minimum initial investment amounts, and I believe any fees.  Click on the "I want to establish systematic mutual fund investing" in the below link.

http://www3.troweprice.com/epp/epp/fundModule/index.do

Hope this helps
Coy