VOYA 401k Advice (1 fund or diversified)

Hello, I will keep this brief.

I am starting a 401k via my employer. The available investment options are terrible.

Voya U.S. Stock Index Portfolio - Institutional Class ER 0.26% is the lowest expense ratio I found.

The next lowest I have available to me is 0.6% and many of them are much higher.

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With the traditional approach of 'low cost index funds' being out of the question, I was curious what the best approach might be?

My inclination right now is to just put everything into the US Stock Index Portfolio since that has the lowest expense ratio and then change my personal account to be all VXUS & VXMAX to try to balance this out.

What would you do in this situation?

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For reference, these are the entirety of my investment options:

Stability of Principal

Voya Fixed Account (4062)

Bonds

Voya High Yield Bond Fund - Class I

Voya Intermediate Bond Portfolio - Class I

Asset Allocation

Voya Index Solution 2025 Portfolio - Initial Class

Voya Index Solution 2030 Portfolio - Initial Class

Voya Index Solution 2035 Portfolio - Initial Class

Voya Index Solution 2040 Portfolio - Initial Class

Voya Index Solution 2045 Portfolio - Initial Class

Voya Index Solution 2050 Portfolio - Initial Class

Voya Index Solution 2055 Portfolio - Initial Class

Voya Index Solution 2060 Portfolio - Initial Class

Voya Index Solution 2065 Portfolio - Initial Class

Voya Index Solution Income Portfolio - Initial Class

Balanced

American Funds The Income Fund of America® - Class R-4

VY® Invesco Equity and Income Portfolio - Service Class

Large Cap Value/Blend

American Century Equity Growth Fund - A Class

Invesco Diversified Dividend Fund - Class A

Voya U.S. Stock Index Portfolio - Institutional Class

Large Cap Growth

American Funds The Growth Fund of America® - Class R-4

VY® T. Rowe Price Growth Equity Portfolio - Service Class

Small/Mid/Specialty

VY® Baron Growth Portfolio - Service Class

VY® CBRE Global Real Estate Portfolio - Institutional Class

VY® JPMorgan Small Cap Core Equity Portfolio- Service Class

Victory Munder Mid-Cap Core Growth Fund - Class Y

Voya Russell™ Mid Cap Growth Index Portfolio - Class I

Voya Russell™ Small Cap Index Portfolio - Class I

Global / International

American Funds EuroPacific Growth Fund® - Class R-4

American Funds Global Growth Portfolio - Class R-4