Just wanted to let those on this forum know that sometimes, the squeaky wheel really does get the grease. For two years, I have sent emails and letters to my HR department asking them to consider adding more low cost index funds to their fund menu at TIAA/CREF and Fidelity. Despite the fact both companies offer good low cost passively managed funds, the only fixed income fund available was PIMCO, and the only passively managed US equity funds were CREF equity index, with an e/r of .40, or thereabout, and Fidelity Spartan 500 index, which is a great fund with an expense ratio of .04 (net). As of now, my employer has added Vanguard Total US Bond Index to the menu at TIAA/CREF, and Fidelity Total US bond idex to the menu available through Fidelity. I hope they add more low cost options (e.g. short term and itermediate treasury bond index funds), but this is a good beginning. Thanks for encouraging me to keep on them.