Did I make the right call? in 403(b) Forum Posted February 20 · Report reply 15 hours ago, CTinker said: now in a moral conundrum.... Open the plan and split the contributions between plans. (Knowing those fees are a lot less than the 1-2% fees that are all too common) or try to get the 403b to 50k then open the 457? I don't see a moral conundrum. You got the district to add low cost plans in addition to Security Benefit's already low cost NEA DirectInvest. There's nothing wrong with continuing to use the low cost plan you are already enrolled in. I faced this exact same choice and went with option #2, while simultaneously suggesting to folks that they go for the newly added plans because they won't encounter a sales rep that tries to take advantage of them as they may when using Security Benefit.