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  1. go to www.morningstar.com and ask for free advice from the Vanguard diehard forum.
  2. Vanguard is the best choice you have on the list. Other one is Fidelity which is not on your list. I have a 403(b)7 account with Vanguard. They allow you to have 5 funds and charge you $15 per fund for custodial fee. Check out morningstar Vanguard Diehard forum for information on asset allocation. It is important to have funds diversify amongst large, mid size, small size companies and international company.
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