AXA's aggressive salespeople locked my wife in and she has some money in there now - about $6k. I want to change it to one of other providers available to her. Please let me know what the best choice is for lowest fees. Unfortunately, Fidelity was removed, and there's no Vanguard either, which would have been no-brainers. Is it Aspire? Also, if you guys know if we're going to get screwed by AXA on rollover fees, etc. that would be helpful. See the image for the providers.
As an aside, I also have a SEP-IRA ($25k) and a 457 ($105k) also locked into AXA, but my employer has them as their only choice with this 1985-era annuity that is absolutely savage on fees... 1.35% off the top for a "separate account fee" plus everything else. I've complained but my HR person has zero HR experience, my GM is unmotivated and nobody else knows anything. I transfer $ from my SEP-IRA to a Vanguard IRA annually via a rollover of the max amount I can that is fee-free, but beyond that, I feel helpless. As I'm maxxing out my 457 right now, I'm not even really sure I should be doing that or should I be using a different investment vehicle? FWIW, I gross about $98k and expect to retire in 17 years.
Responses to either of these issues would be much appreciated.