Sent My Fellow Teachers An Email About 403B's in 403(b) Forum Posted June 25, 2017 · Report reply Overall I think it is great that you're sharing information and that you put in some serious legwork for your coworkers. Great job. Text over the internet can come across super harsh so please take what I'm saying as constructive criticism or the rantings of a mad man, either way :) 1. I suspect "Vanguard Admiral Funds" will mean nothing to them. I personally try to talk about "low cost, total market, index funds", which I hope is easier to understand and generally more useful than a specific product name, but even that has its problems like "what is an index fund?" 2. You mention Security Benefit in the beginning but never again...I can't remember the exact fees for Lincoln but Security Benefit may be even better. 3. It looks like you may have omitted some fees. I don't think you mentioned assets under management fees or sales loads. You definitely talked about the fees for the individual funds but that isn't the whole picture. 4. I don't think the vendors will be upfront about the fees; OCPS' vendors weren't. I also don't think people should be led to believe that an agent will help them understand...an agent will try to sell you something and it is your job to leave them no choice but to explain the product and even then you have to use Google to research it further. 5. I disagree with the low/high rankings of fees. There is no reason to pay more than about 0.07% for a 3 fund portfolio or about 0.16% for a one fund portfolio. 6. I personally like to list fees as a percentage of the real returns it is expected to consume over a 30 year period. After all why are we investing if not to get real returns? 7. I'm not sure if you're in California or not but the 403bcompare site is specific to California right? It is a good quick gauge but may not be accurate for other states.