<prompt> Human: So I was under the impression that my 403b funds would roll over to Admiral shares when they reached the 10K balance, but I just learned that they are not available in my employer provided account.I have 15K allocated between the 500 Index Fund VFINX, Total Bond Fund VBMFX, and Total International Stock Fund VGTSX - currently contributing the matched 2.5 here, and putting the rest towards a Roth IRA.Can I open an independent account at Vanguard and transfer funds there to access the lower cost admiral funds? Is it just not worth it, and stick with what I have? Im under the impression that low cost is king, but just cant figure out if Im able to reasonably reduce my costs further at the moment.Mods, why you gotta change the flair of this post? clearly its about retirement accounts. do all threads about employer sponsored retirement accounts get changed to an Employment flair? if they do, they shouldnt. Take your foot off the gas with the editing.  <response>: Im under the impression that low cost is kingEmployer match is King. It almost doesnt matter what the cost of the funds in a matched 401k are. You are essentially getting a 100 gain on all your contributions. Contribut the maximum your employer will match, and put the rest in a lower cost IRA. It sounds like you are already doing that, so keep doing what youre doing. 