Hi everyone, just wanted to thank you in advance for all of this information. 5 years ago I was sold an annunity through Metlife for my 403b and had been wondering why I have not had a great ROI thus far. Well once I read through all the paperwork I realized they were charging me a 1.15% M&E fee plus the ER of the funds. My total costs all in were just under 2%. Yikes! It just never occured to me to check.  After coming across your sight and gathering lots of information I decided to ta