You can also PM me.
Edit: To clarify he's just fine and filling up former boglehead time with the new game he's playing called endless sky.
This doesn't apply as most of the ones with bonuses like Edge Etrade and TDA have no funds to increase the ERs on.Bonus programs increase brokerage business expense which has to be spread out as ER.
Then you no longer have a 401k with the associated benefits/deficits so it's irrelevant to the question.
No one least of all the IRS has ever said anything about indexes being the determiner.