Looking for a little confirmation bias here... 
I am finally in the position where I will begin making my own contributions to my employer's 401k.
For our company plan, we have third party administrator fees, investment advisor fees, and custodian fees, all totaling about 0.35% annually. Luckily, I have access to Vanguard admiral shares with expense ratios of .04, .07, .11, etc. So total expenses somewhere .4 to .5%. Which is literally an order of magnitude more expensive than my individual Roths at Vanguard, but, all things considered, not totally horrible.
So, I shouldn't be sweating the plan expenses, right? Just wanted to check with you guys before I pulled the trigger to send a huge chunk of my check to the 401k in order to his 18k before year end.
Alternative would be taxable account or just paying off student loans faster, and then taxable account. Maxing out 401k will be in addition to backdoor roth money, and paying off student loans somewhat aggressively.
Thanks!!! 8-)

I am finally in the position where I will begin making my own contributions to my employer's 401k.
For our company plan, we have third party administrator fees, investment advisor fees, and custodian fees, all totaling about 0.35% annually. Luckily, I have access to Vanguard admiral shares with expense ratios of .04, .07, .11, etc. So total expenses somewhere .4 to .5%. Which is literally an order of magnitude more expensive than my individual Roths at Vanguard, but, all things considered, not totally horrible.
So, I shouldn't be sweating the plan expenses, right? Just wanted to check with you guys before I pulled the trigger to send a huge chunk of my check to the 401k in order to his 18k before year end.
Alternative would be taxable account or just paying off student loans faster, and then taxable account. Maxing out 401k will be in addition to backdoor roth money, and paying off student loans somewhat aggressively.
Thanks!!! 8-)
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