Thanks for the replies everyone!
I should add that she is not working at a public school but a charter school instead which probably explains the limited options.
Tony, your thinking basically reflects what I was leaning towards. Given the short time she will be in the state it probably isn't worth opening the 403b. I actually have my own Roth IRA through Fidelity as well with index funds exactly as you specified. I think I will get her setup with a target date fund to start out.
Krow36, given her budget I think it is unlikely that she can contribute more than $6,000 per year. She does have a decent sized emergency fund going last I knew. As you note, Equitable does have high expenses just looking over the available funds they showed me and those surrender fees aren't great either.
So, I think the best move then is to stick with the Roth IRA and invest in one of the Fidelity Freedom Index funds? Looks like the expense ratio is about 0.12% for those which is quite low from what I understand.