Taking out money from a retirement account?

My wife worked at a doctor's office for a year or so after college waiting to find a real job and was putting money into some sort of John Hancock retirement account. There is like $900 in it right now but what are we are going to do with a $900 retirement account that no more money is going to be put into?

All of that is to say if she takes the money out how much can expect to lose from taxes, early withdrawal penalties etc....?