Switching your SIMPLE IRA to Vanguard would be good for everyone. No more loads, no more high expense ratios, plenty of active funds if that is what the partner/others want. Your partner does not really want to pay 5% on the front end just to buy something. You partner probably does not know s/he is even paying this stuff. Even after the funds are bought, Ameriprise charges more annual maintenance (expense ratio) for the exact same thing that Vanguard could offer.
If you cannot convince them, you can do yourself a favor and simply use no load index funds from the no-transaction-fee list. By they way, no load is a different thing from transaction fees. You want to avoid both.
Ameriprise has at least two 500 index funds available without loads or transaction fees. I'm sure there are other index funds available, but have not researched it.
About your option D, if I recall correctly, you can transfer money in a SIMPLE IRA to an IRA after a certain period of time. Suggest you google SIMPLE IRA withdrawal rules or something like that.