Dodgeball gave some good information and advice. If you can get with a 403(b)7 provider that invests in mutual funds instead of annuities you can save a lot on fees that way. About the only 403(b) provider with low fees is TIAA-CREF, where my optional retirement plan is (I trust them more than I trust the state). If they are an option you should check them out. Make sure you ask your HR people for a list of all approved vendors, because HR doesn't seem to advertise what may be many choices - as was the case at my university. You may, however, be stuck with only a few choices. Hope it works out for you.

Taylor