Seriously, where are you guys finding decent Silver IRA custodian fees these days?

• •I've been kicking around the idea of converting some more of my old 401k into a Silver IRA, specifically for some physical silver.
• •My current Gold IRA, which is hovering somewhere between $700k-$800k depending on the day, has always had a pretty straightforward annual fee.
• •It's like they're trying to hide the true cost in a maze of charges.

I've been kicking around the idea of converting some more of my old 401k into a Silver IRA, specifically for some physical silver. I've had gold in my IRA for over 20 years now – practically since before most of you were born, haha – and my custodian fees have been pretty consistent for the gold side of things. But honestly, it feels like every time I look at silver IRA custodians, the fees just keep creeping up, or they're structured in ways that make my head spin.

My current Gold IRA, which is hovering somewhere between $700k-$800k depending on the day, has always had a pretty straightforward annual fee. But for silver, it seems like some places are charging based on a percentage of assets, others have these tiered flat fees that jump significantly at certain thresholds, and then there are the storage fees on top of that. It's like they're trying to hide the true cost in a maze of charges. I’m thinking about rolling over maybe $100k-$150k initially into silver to diversify a bit more.

I’m an old Detroit auto industry retiree, seen enough boom and bust cycles to know that silver has its place, especially with all the industrial demand. But I'm just getting frustrated trying to pinpoint a custodian that offers transparent, reasonable fees for actual physical silver. Are there any hidden gems out there that aren't gouging investors? What kind of annual fees are you all actually paying for a silver IRA, especially if you're holding a significant amount? Is anyone finding better deals if they consolidate their gold and silver with the same custodian, or is it better to split them up?

What are your go-to custodians for Silver IRAs specifically, and more importantly, what are you paying in annual fees (storage included)? Any insights on negotiating fees or finding transparent pricing would be hugely appreciated. I'm trying to make sure I'm not leaving money on the table for nothing.