I have a small Vanguard traditional IRA that I maintain but don't contribute to. Because I want to continue to get paper statements, there is an account fee that I haven't paid for two years. Eventually I assume Vanguard will notice and ask for their money. I know I can pay it off by contributing some money into the settlement fund, however, that would count against my total IRA contributions for the year and reduce how much I can contribute to my Roth IRA (which I max out). Is there any way I can pay the account fees without that counting as an IRA contribution?