Security Benefit Direct Invest. You have to go to this link and do it yourself, because other Advisor's will talk you out of it due to not paying commissions or fees. https://www.nearetirementprogram.com/nea-directinvest Click enroll now and follow the steps. Very minimal $35 annual plan fee when assets are less than $50K, no plan fee when above $50K. No mark-up on Vanguard Index funds, so you are simply paying the small index fund fees. Good luck.