Well, I finally got around to calling the Voya people and getting information on their fees (on their website, but not where I was looking for it, of course). It looks like the Admin fees are 0.25% (in addition to the ERs). So, not quite as good as .019%, but still better than 0.75%. So... yay? =)
BackyarBQ, can I ask you what prompted you to do the SDBA? Did it somehow lower your fees, or did it just give you more flexibility with the choices you could make? My current plan is to choose my own funds (as opposed to a target date situation) to keep the ERs low. I think I could definitely do a lot more research to get myself to a place where I am making informed decisions, if it lowers costs, but I like the potential mental bandwidth savings of a model like the one Dandarc proposed.
Which reminds me, dandarc, thank you for the link. I am making my way through it now.
Thanks again for the input, everyone. This forum has a lot to offer people looking to learn about this stuff.
Chris