With $110k of invested assets, Personal Capital gave you a crap assessment. What's $2k in International Bonds going to do? Nothing except be an annoyance and hassle. Old-school "advisors" do this (or worse) to make investing seem super-complex and to make you dependent on them.
In my opinion, in the accumulation phase, and at $110k a single, broad based mutual fund or ETF is fine. Two is fine. More than that is getting into stupid territory.
I have a higher balance than you, and the vast majority* in VTI (0.04% in expenses), which is similar to your low cost index. I would NOT be paying an extra 0.5% for that other fund.
0.5% is a huge drag on your portfolio growth. We talk all the time about "The 4% rule" for how much you can draw on a portfolio safely - guess what? Fund expenses come out of that 4%. So if you're in that expensive fund, your "4%" to live on is actually 3.25%.
*I have a small fraction in VIIIX (0.02% expenses, S&P 500) because it's the best choice for my current employer plan.