My wife is a teacher in Iowa. We are looking at her 403B options. I am including a link to the 403B investment options in hopes that you guys can help to educate me. VTSAX is one of the options and is listed with a fee of 0.26. VITSX is listed under the Voya options at 0.04. Are these fees in line with typical expenses. I noticed that at the top of the Horace Mann options, where the VTSAX is listed, it says that a .20 administrative fee is included in the fund fee. Is that typical? Sorry if this is too many questions but I figured you guys may be able to save me a day of google search.