<prompt> Human: My employers 401k program is administered by Raymond James Transamerica. How can we get an index with low operating expenses added to the fund? Id like something under 0.20. Some funds expenses are similar to whats available in the open market, but for instance the Vanguard seems high at 0.81. We have a 3 employer match.Our fund choices and expenses are:JPMorgan Bond - 1.09,PIMCO Total Return - 1.15,Loomis Sayles Bond - 1.25,PIMCO All Asset - 1.63,American Funds Balance - 0.90,Invesco Diversified Dividend - 0.92,Transamerica Partners Mid Value - 1.21,Vanguard Total Stock Market Index - 0.81 much higher than I can buy individually,Clearbridge Mid Cap Core - 1.46,American Century Disciplined Growth - 1.44,Munder Mid-Cap Core Growth Rate - 1.56,Wells Fargo Advantage Small Cap Value - 1.52,Dreyfus Global Stock - 1.62,Invesco International Growth - 1.45,Ivy International Core Equity - 1.58,MFS International Value - 1.46,DFA Inflation-Protected Securities - 0.88,Van Eck Global Hard Assets - 1.62.Thanks  <response>: You have to talk to your fund manager about getting lower-cost options in your plan. You could also try to campaign for a better 401k plan in general. 