I'd be surprised if Voya offers low fee funds - they tend to use 1% expense ratio funds, and those TV ads you see for them are paid through 0.25% of marketing fees they charge investors in their funds. It's possible, but be wary.
Does your plan provide a company match? A bonus of +25% or +50% of contributions, up to a limit? Make sure you get all of the company matching, then consider alternatives.
For example, Vanguard Total Stock Market has a 0.05% expense ratio. The 2% dividend at the median tax bracket (25% ordinary / 15% qualified dividends) costs 0.30% a year in taxes on that dividend. All told, in a taxable account at Vanguard you would pay 0.35%. And when you sell, you get the lower tax bracket for long-term gains.