Do you have any other choices or is this your only choice? TransAmerica isn’t horrible but they aren’t amazing they are known to have some high fee products and funds.

Even if you don’t you should still try to raise the contributions on your employer sponsored 403(b) plan. If you have the ability contributing 10-15% towards retirement would be good. If you can’t do that all at once start small an increase as you can.

If you do have other choices for your plan administrator you may consider switching to Aspire Financial Services (non advisor) CalSTRS Pension2 (only in California) Fidelity Investments MissionSquare (formerly ICMA-RC) T. Rowe Price TIAA Vanguard WEA Member Benefits (Wisconsin)