Help me understand what I’m losing with first command

As background, I signed up for first command when I joined the navy over 20 years ago and knew nothing about finances. I still have my roth IRAs with them and 2 other accounts detailed below. Over the years, I've opened up accounts outside of them with vanguard because I've heard first command was a ripoff, but don't really know why. I'm trying to get my money organized/ smarter now as I approach navy retirement. I like being able to go in to talk to my first command advisor, he seems helpful and gives me advice ( I think good advice?), but don't think i really need to pay much (any?) for it at this stage of my life.

My first command accounts are:

Roths for my wife and I valued combined about 400k from the Fidelity 2040 fund.
300k in their managed selective investor program (SIP) aggressive growth model.
And 100k in their SIP moderately conservative fund.

What I can't figure out, is how much in fees I am paying or what I'm losing by having these through first command. Can't find anything helpful on my account page. I of course will ask my first command advisor, I am just trying to prepare myself prior to the conversation.

Most of the advice I see on here recommends a fund like the 2040 fidelity index fund, so it seems like that's a good place for my IRAs? Unless there are extra fees in paying to first command? And the SIP funds seem to do pretty well, but I don't really know.

Any advice/ info would be appreciated!
Thanks.