> But it's not enough of an impact for me to bother switching.

Maybe you should have them run the numbers on how much those AUM fees are going to run you overall your lifetime. :)

In all honesty, it sounds like like you are pretty skillful with finances. I would not be paying more than a few hundred dollars for the "fun of running a few scenarios." Doing the yearly backdoor roth takes about 15 minutes of your time.