Whether this particular fund was good for you or not The 12b1 fee provides yrequires more knowledge of your circumstances and tolerance for risk as you presented them to your broker than you have given. Brokers feel that they deserve a commission for recommending a fund that seems to meet your needs. Load funds are sold. People buy no-load funds. In the long run, one does as well with the Vanguard S&P as anything else. You could, I believe, have your Roth with Vanguard if that is what you would like to do. {I know they have IRA, don't know for sure about Roths.)
our broker with a continuing stream of income as long as you hold the fund. So if you are po-ed enough to want to deprive him of that, you can sell the fund for spite.
Good luck and welcome to Fooldome! Chris