My employer, for whom I work part-time, is considering starting a simple IRA Program for its employees. My question is should there be a preference of starting this with Vanguard, Fidelity, or T Rowe Price? Currently the people we have talked to are only recommending class A funds with high front end loads. Do any of the above offer Simple IRA's with no-load funds and low expense ratio's. Also it is my understanding that you can put up to $13,000.00 into a simple IRA if you are over 50. I'm trying to gather information so that we can inform all employees and make an educated decision. Thanks for your help