As long as you are with the company it makes sense to stay in the 401k and do whatever you need to to get the max company match.
Assuming you are already doing that, don't worry too much about the fees, A fee of .9 in a 401k isn't awful. It's higher than you would like but that's not unusual in 401k's. It could be a lot worse. The good news is that some of that is getting offset by your company match which is free dough.
Above that, if you qualify, you can always toss anything you can afford to invest into a Roth. You could do that a Vanguard, and if you need to get to the money you can always pull out any amount less than you total contributions, no penalty.