<prompt> Human: If youre a teacher and you have a 403b, or youre thinking about starting one, this is a must-read.Its about how 403bs arent regulated as strictly as 401s are and as a result, the fees are much higher than they ought to be. In the end, it can be a difference of tens or hundreds of thousands of dollars.Please help me get the word out.  <response>: Makes me happy that my office non profit so we also have a 403b puts a lot of transparency into our retirement plan and advocated with the broker to get index funds as an investment option. Might explain the switch in brokers that was made a few years ago as well.Few people look at their retirement account, even if it is a 401k. 