Let’s say I have 100k in 403b from an old job. Everything that I’m seeing online says 403b are inferior due to high fees and limited investment options. I recently opened a 401k acct with my current employer with ADP which offers Fidelity sp500 with expense ratio of .02. Would it be wise to rollover my 403b to the 401k adp acct? I don’t want to transfer it to a traditional Ira with vanguard as I want to potentially use backdoor roth IRA. I know the 403b company will give me a headache when I ask them to roll it over.