I feel quite satisfied with them. I had two mediocre plans and since then have had two great plans with Fidelity. Being with Fidelity has been great as my choices have been varied and they have always included some form of Spartan Funds.
I think the reason I like the plans is that I am interested in investing and take the time to plan. I know some people who just use target date funds and I do have to say that since they have always used them, they aren't that bad off. However, if you have no interest in ever doing anything to manage your plan, you may feel is doesn't serve you well and should have another choice.
One option plans should probably include is an annuity option much like the TIAA-CREF Traditional option. This would allow people to have a choice to pick either securities or an annuity. Personally I would take the risk with securities but some others may feel more comfortable with an annuity. In my opinion this would make providers like Fidelity, Vanguard, T. Rowe Price, TIAA-CREF and Schawb to have plans similar to the TSP. The rest would of course be more expensive and not such a good deal, but then you get what you pay for in a plan administrator.
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