Hi everyone, just wanted to thank you in advance for all of this information. 5 years ago I was sold an annunity through Metlife for my 403b and had been wondering why I have not had a great ROI thus far. Well once I read through all the paperwork I realized they were charging me a 1.15% M&E fee plus the ER of the funds. My total costs all in were just under 2%. Yikes! It just never occured to me to check.  After coming across your sight and gathering lots of information I decided to take things into my own hands and call a few other companies that were available ( Lincoln Investments and AXA)  No one had anything good to say about AXA so I called the LF advisor. Nice guy but still high fee of 1.25% plus ER. Contacted LF offices about Participant Direct and had all the forms sent over to me. I am in the process of filling them out and deciding whether it is worth it to pay the surrender fee of 6% to get my money out of Metlife.  Anyone else go through this process with LF and could offer any advice in advance. I am not new to investing. Just advice on paperwork and transfering. I am friendly with my payroll department so they have stopped all contributions to Metlife. They had no idea there was such a program with Lincoln (NJ School district with approximately 200 staff members)  Again, thank you for this awesome forum.