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The way I understood it the only fees on a 403(b) plan at Fidelity were a $24 per year fee and a fee if you transfer funds to another fund within 30 days of the starting a particular fund.

TIAA-CREF charges no such fee for 403b accounts. In addition, and probably more significantly, you'd want to compare expense ratios for the exact funds you're interested in at TIAA-CREF and Fidelity. TIAA-CREF's expenses are among the lowest in the industry. I'm not sure how Fidelity stacks up.
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