My wife has a 403(b) plan with Aspire. We haven't used it much to this point, but are considering making more significant contributions going forward. According to 403bwise Aspire is a good vendor that offers access to low-cost funds from Vanguard and others. Unfortunately when I log into our account and try to change the portfolio allocation I'm not seeing anything like that. There are ~70 funds on offer, almost all of which have 1-2% expense ratios. Are we out of luck here, or it possible to access more funds somehow? I noticed there's an Edward Jones financial advisor listed in our account; would starting a new self-directed account open up more investment options? Unfortunately, the Aspire website FAQ suggests it's the school district or third-party administrator limiting access to additional fund families, which is really disappointing: "Aspire has access to a universe of over 20,000 mutual funds within over 400 fund families. Many plans are restricted to certain fund families by their school district or common remitter/TPA. You can find your choices in Review your Plan Investment Options on your school district's plan site."
AFAICT the vendor list is pretty slim pickings outside of Aspire, so I'm not sure we have any other viable 403(b) options: Aspire Financial Services, Brighthouse Life Ins (MetLife CT/Travelers), Equitable (formerly AXA), Horace Mann Life Ins. Co., Kades-Margolis, MetLife, Security Benefit, Voya Financial (VRIAC), Waddell & Reed Inc. Any others worth considering there?
Thanks in advance for any assistance!