Vanguard refuses to provide what are essentially kickbacks, and that results in the higher cost for certain Vanguard mutual funds. But Vanguard ETFs are available for purchase as stocks - can you buy Vanguard ETFs, instead? Look for VTI, VXUS, or BND and see if you can buy those.
But Schwab offers some competitive funds of it's own, like SCHB for the Broad US Market with a low expense ratio (0.03%). You could buy SCHB with future contributions.
Next time you're faced with fees, change them into a percentage. How long would it take to overcome an additional 5.00% expense? ($50 / $1,000) If you switch plans 5 years from now, even over 5 years that's expensive.