can you please show me your work (calculations)

A mutual fund reported year-end (as of 4:00pm that day) total assets of $508 million and an expense ratio of 1.32% and a 12b-1 fee of 1%. The fund charges a 3% upfront fee. The fund on that day has 500,000 outstanding shares and liabilities of $54.1 million. The investor is planning on investing in this mutual fund for 20 years. calculate the average annual fee that this investor will pay