You might consider opening an IRA at vanguard and investing the next $5500/year there. For the first year or two you'd be able to get 0.17% er (on their total stock market fund), then upgrade to admiral shares (0.05% er) one you have 10k invested. You would also have other low-cost investment choices.
0.23%er isn't the end of the world though, if you have more to invest, or don't want to bother with a second account.
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