PP writes:<<Pixy - If a 403b plan is bound by ERISA the employer typically selects one vendor to supply the investment vehicle, be is TSA or mutual funds. This way administration of the program is easier to manage (one Form 5500 for IRS filing, etc.).In a voluntary plan, there may be several vendors, and usually are. The employer may still restrict the number of vendors to a "managable" number, however.It's a lot of trouble to cut dozens of individual checks to vendors for one or two participants! Lobby the employer to exchange vendors if you can muster support from a number of employees who want to use the same vendor...>>I totally agree with what you say. The employer may restrict where the initial contribution goes. Once there, though, the code permits a transfer to a 403b(7) account at a fund that accepts such accounts. These transfers occur between providers all the time. The real question is can the employer, the provider and/or the plan document prohibit such transfer? That's what no one has been able to answer for me. Regards..Pixy
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