How do you compare fees between plans when some only charge a percentage annualized and others have a smaller annualized percentage, but also have underlying fund expenses? For example, Iowa has .65% annualized against value and Massachusetts has .30% annualized with additional .64-.81% underlying fund expenses (ignoring annual fees for amounts under $25,000 for now). The annualized percentage is smaller, however, will the underlying fees actually make the fund more expensive??