I don't have access to that one through my plan though. I have:
BISIX (1.30%, ouch ouch!)
FIADX (1.00% ouch!)
IHOTX (.91% somewhat less ouch, but really crap performance from what I can see)
JEMSX (1.57% super ouch with an ouch cherry on top)
All of the domestic stock options have around 1% except for this DSPIX at .2%. I had thought of doing what is suggested above, but I do have a lot more in my 401K than the others. Here it is:
$62K in the Fidelity 401K, I am not adding to this at this time, I'm focusing on the Roth instead at Vanguard. My work puts in 11% of my pay once per year without me having to match, so this will keep growing by a goood chunk anyway.
$7K in my Roth at Vanguard, currently in the targeted fund for my age. I put $458 per month in here to hit the max by the end of the year.
3.7K in the taxable fund. I have this in VTSMX. Adding around $100 per month, looking to increase this.
While I'm listing things, here are my bond options through work:
FA Stable Value .69%
FSRIX (income) .75%
MNTRX (income) .79%
ACITX (??) .48%
I could do the 401K at maybe 70/30 index stocks to bonds, and the Vanguard Roth to an international index fund? I wouldn't get the foreign credit (I am a noob, I have no idea about that) but at least I won't be paying so much in fees. And it would be a little off balance for a while while it grows, or I could do both the Roth and taxable to international index to make it closer. Once my Vanguard numbers grow enough, I could move towards 100% domestic in the 401K and the others at Vanguard.
This is all really new to me. In one sense, I feel like a total goober trying to figure it out, and at the same time I am kind of impressed that I'm starting to catch on. Hehe.