This happened to us Pre-Fire. The admin would not allow us to transfer the 403b pre-separation. So, we established a relationship with the rep, showed our history of making maximum contributions per year, ceased all contributions because of the increase, and renegotiated the admin fee down to 50 basis points before we'd contribute again. We weren't happy about it, but 50 basis points was a better option. We thought it made sense in our situation because of the importance of reducing our taxable income pre-Fire. It also worked in our situation because a good chunk of the future basis points went into the rep's pocket. I hope this helps!