@annec1975 You'll have annual account fees or expense ratios (VTSAX is 0.04%) and then sales loads. Sales Loads can be found on your most recent statement. Mine was listed right under my contribution as "SALES CHRGE PERCENT 3.50". If you can't find it, hopefully that means you don't have sales loads, which would be gravy. If you do see it, there are different types of Sales Loads, front-end, back-end, and a lot of details outside my wheelhouse. These fees help pay for actively managed accounts (and maybe how the FA makes some money; not sure).
As far as your advisor, yes, they don't charge fees. They'll get a commission from life insurance policies, and (possibly, but I'm not sure) sales loads. I think there are other posts that talk this in more detail.
I wouldn't necessarily assume
your FA is bad, or put you in bad funds. Also, some people really believe Whole Life Insurance is best for them, or for their very young children. A lot of people have bad experience with First Command, but my general guidance would be to read through the items on the Personal Finance wiki, some Boggleheads stuff, and then use that to inform your decision making. Whether you stay in the funds you're in, or move to other funds, you'll feel more comfortable knowing you've done research on it.
Last thing I'll emphasize is that moving any non-IRA funds
will be a taxable event, and you'll need to consider that too, if you do decide to move funds.
Finally, remember that by saving like you have, your ahead of the majority of people in our country. Good on you.