Do You Invest? Question about 403b Plan

For many years, living as a single Mom, my only "savings" of any sort was putting a little bit of money aside in a 403b retirement savings plan. As a teacher, I do not have the traditional 401K style retirement plan, so I thought that even saving a small amount of money would be a smart move. Deducted from my paycheck, the money I invest is tax-deferred, which means that I will have to pay taxes on it once I withdraw it at some point.

I admit that I am basically "investment clueless" and decided to go with the only 403b provider who sent a representative to our school @ the time. Years later, I am still investing my money through this company. I see my representative about twice a year, and he is privvy to the fact that I know nil to zilch about investment strategies and issues.

Recently, colleagues have complained that investing through this company is costing 3% of our money in hidden fees. A article published in a NJ newspaper revealed this discovery, and compared the company I am using (AXA- Equitable Life Insurance Co) to other "low-cost providers such as Fidelity Investments, T. Rowe Price, TIAA-CREF and Vanguard." The difference between a 3% interest fee as opposed to a 1.1% fee (typical, the article says, will prove to be thousands of dollars in a matter of years.

The article sparked my colleagues interest and an email discussion--people recommended switching to Vanguard and advocated that it is the best choice for their money. A few said they wanted to have more 403b options explained to us @ one of our union meetings. Overall, the feedback revealed that my colleagues have made a switch already or are really considering it.

 My money has not "grown" to any significant degree with AXA-Equitable. I thought that it didn't matter and that it was enough that I was saving money. Now, I am not so sure.

 I wanted to solicit advice and feedback about this issue. 

How do you invest your money? Do you have a 403b plan or something similar? What questions SHOULD I be asking (to alleviate my cluelessness) in case I want to move my money to a different provider? Thanks for your thoughts in advance!