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FYI Vanguard has expanded its 403b services according to a letter my wife received today. You will now be able to get Admiral Shares in your 403B (This will lower your expenses significantly more as only investor shares are currently available. You will be able to make Roth 403b contributions Loan services will be available through your 403b A 403b enhanced Vanguard website will become available They are partnering with Newport Trust Company to serve as their custodian and to expand 403b services This won't happen until later this year but it looks like Vanguard felt their 403b plans needed some upgrades and greater support for its investors. Perhaps this overall move will eventually open the door to more schools being able to add Vanguard directly ??? Tony