The stock fans are made of a Nylon type material that tends to crack over time. My stock fan had dozens of them. There may be a loose blade due to one breaking at 1 end, or as sdithesloth found you may be hearinr the rollers "echo" thru the flywheel, as the cvt cover shields most of the roller noise. Easiest way to find out is, Remove the plastics, cvt cover, and the engine shroud. Make sure the jack shaft for the kick start is either removed, or held in place so as not to fall out, and start the engine. You will be able to see any broken blades on the fan, and hear where any noises are coming from. Could also be some debris in the shroud near the fan. Either way taking it all apart is the best way to inspect everything.