Dang, 1.46% ER for RAFBX, with .74% being 12b-1 fees... Ouch. The ABALX (.59% ER) seems to be a balanced fund... How does this jive with your age, and investment philosophy? I would strongly be looking over your company offerings for an S&P 500 index, or total market type index fund IMO... But even then, I have seen these types of funds have crazy high costs in 401k/403B plans. Damn, what a racket.