This chart is of the fund rates I have in my retirement portfolio.
My 401k charges me 0.35% per fund to use an outside brokerage. This sucks, but otherwise I am stuck with the choices available at the 401k site and they all have at least a 0.4% base.
Generally, I do not like to use anything so high as 0.50% or higher but the flexibility in the this case is worth it, barely 😦