<prompt> Human: I recently moved 100k from a Vanguard rollover IRA to my employers John Hancock 401k to be able to contribute to a Roth IRA using the backdoor method. Im now debating how best to invest the rollover funds while they sit in a Stable Value fund at JH.I recently rebalanced my Vanguard Roth IRA 44k into the three-fund portfolio using admiral shares for each fund. As a result, I have a moderately diversified portfolio that requires little to no maintenance and has a combined expense ratio of 0.23. Im no investing expert but Im largely happy with that setup.When it comes to JH, the lowest expense ratio across the board is 1.63, and it can go up to 2.55 full list of funds here I know ER is only one variable to consider out of many, but its frustrating to know how much more money will be eaten up by fees just by having it at JH.Questions1. Did I make a mistake rolling the funds over? Pretending for a second that fund performance is equal between Vanguard and JH, I went from paying 0.08 to 2.09 in fees I took the median between 1.63 and 2.55. If my math is correct, assuming ER is charged once a year, and against a balance of 100k, that would be 80year at Vanguard and 2,090 at JH.2. To minimize fees, should I be seeking to distribute the money across the smallest number of funds while still staying reasonably diversified? A three-fund portfolio for 100k doesnt seem optimal, but if more funds more fees, thats the tradeoff.Thanks in advance.EDIT: Fixed math in 2 above  <response>: Yea kind of a large mistake leaving Vanguard. Three fund scales perfectly to any asset level. 