I am a State employee for State of California. The state decided that they will be switching our retirement service provider from Savings Plus to Nationwide next year. In doing some research through Nationwide's website to see what types of investments options they offer I found that their mutual funds are all handled by Nationwide and doesn't offer options to allocate my money with Vanguard or Fidelty funds. Nationwide's expense ratios for their index funds are definitely too high. I'm bummed! Do anyone have Nationwide as their retirement account service provider? If yes, how do you feel about them managing your accounts?