Do you know who the plan administrator is? Mine (Milliman- an industry leader) offers us a web based calculator were you can plug in any number of scenarios, including a good number of options: Sole, Spousal (50%, 66%, 75%) that all generate different outcomes over various starting times. If you don't know who is in charge of administration, or have not been in regular communication with them over the years (address updates etc) determining that would be my first task that may expose you to such calculators.