<prompt> Human: Im looking into the retirement options at my new job and I didnt really pay much attention to the 401k details at my last one since it was my first time contributing to one. My new job offers a 403b since its county-run, which as I understand is not very different, but the options presented by the brokerage firm look a bit more complicated.I wasnt looking for anything special, just aiming for an ordinary Balanced Target Date Fund to set and forget, but it looks like it might be a bit on the expense-heavy side. The plan itself has a Gross Expense Ratio of 4.43 with a Net Expense Ratio of 0.75 which seems rather high to me, but I dont know well enough to say. My employer matches 50 of pre-tax contributions up to 4 of my salary with a 20 vestment annually on matching contributions with 100 vestment after 5 years. If its too expensivenot worth it I have a Roth IRA of my own I can contribute to instead, so if anyone has any advice I appreciate it.EDIT: Also would appreciate someone explaining my last paragraph to me since Im not totally confident in my understanding, lol.EDIT EDIT: Just got it cleared up with the benefits office. It is, in fact, a maximum of 2, meaning they match 50 of my contributions up to my own contribution of 4. Any more than that will still only be 2. Kind of a let down, that one, but thanks to everyone who replied and gave advice, you were all very helpful. Thank you.  <response>: Thats a fairly high fee, yes. Contribute up to your employer match, then prioritize maxing out an IRA before contributing more to the 403b if you have more to save at that point. 