I just closed out my LC IRA, but if I still had it, I would look at my returns minus the annual fee versus paying income tax on an early withdrawal and transferring the notes to a taxable LC account. Normally there is a 10% IRS penalty for early withdrawal, but there are several
additional exceptions this year due to Covid. You can also give up your notes, but I don't think that qualifies as a capital loss when it's inside an IRA. If it was a Roth IRA, then I wouldn't have to worry about taxes.
Strata charges a lot of miscellaneous fees that ate into the relatively small amount of money I had invested, so it was not worth continuing to do business with them. If I was more wealthy and wanted to put the money in more exotic investments, it might be worthwhile to stick with Strata. There are many brokerages that no longer charge fees or commissions, so it was just a no-brainer to transfer the funds to one of them. Just my 2 cents.