LAGuy, conpewter - I half agree with LAGuy that HR won't act on complaints from an individual. But don't forget the power of a class action lawsuit by employees against the 401(k) plan. The plan isn't searching for lower expense ratios, which violates their fiduciary duty. But it gets worse for them - the Supreme Court ruled that failing to look for lower expense ratios extends the statute of limitations. To put it another way, if they keep high expense ratios for the past 20 years, they can be sued over 20 years of violations.
The other annoying thing about Voya is their marketing fee. It means if you put in the $18,000 max contribution then Voya spends $45/year of your money on ads. And they do it by building the 0.25% marketing cost into the expense ratio, so most people don't see it without research. Voya is not alone to charge this kind of fee, but they do it very consistently where other firms don't do it at all.
