Currently investing 10% of my income split between Roth401k&401k, below is a screenshot of my largest holdings, Vanguard equivalents are VOO, VIOO, & VTI. The 401k has a $42 annual fee, am I better off just investing the 10% myself at what seems to be a lower expense rate? Also would welcome opinions on the account overall and any recommendations, TIA

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To clarify a $42 annual fee overall plus whatever these funds charge, typically .10-.75% expense ratio

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