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Which company do you have your Traditional or Roth IRA with? how much do they charge?

From what I found in the financial services industry you will be charged. period.

A general consesus amongst the wizards and the commoners is not to pay more than 2%. 2% is a good rate. I have a mutual fund Roth with Oppenheimer they charge 1%. Keep in mind that if you are that concerned with how much mutual funds charge I can give you a list of fees that never end up on the prospectus that we pay on a quarterly or annual basis.

As a side note if you are that concerned about the $10 annual fee try adjusting your w-4 if you receive a refund every year to receive a lesser refund annually, you could than invest your larger monthly paycheck in a drip. you could try a dozen other LBYM options. I have the LBYM list compiled on a word doc if your interested in my emailing it to you.

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