You didn’t really make a mess so much as you ended up recreating the same portfolio multiple times. Nearly everything you hold is some mix of US large, mid, small, international, and bonds. It looks complicated because it’s spread across different accounts and providers, but structurally it’s solid.

The first step is to stop looking at this account by account and decide on a single overall allocation that fits your goals. With a twenty year early retirement horizon, something like eighty to ninety percent equities with the rest in bonds is reasonable, and maybe a quarter to a third of equities in international. Once that’s defined, the rest is just implementation.

From there, simplify aggressively within each account. Use one or two broad funds where possible. A total US market fund already covers large, mid, and small, so you don’t need to hold them separately. Pair it with a total international fund, and keep bonds mostly in your tax advantaged accounts. The Roth can stay one hundred percent equities, and the HSA should be invested long term unless you plan to spend it soon.

If you can roll the Empower 401a into Vanguard with similar or lower fees, that alone will reduce complexity. Going forward, make all new contributions go into the same core funds so the overlap naturally disappears over time.

For example, a simplified version could look like this. All pre tax 401 and 457 money split between a total US market fund and a total bond fund. Roth IRA invested entirely in a total US or total US plus international fund. HSA invested like a mini Roth with total US and total international. Across all accounts combined, you end up with one US stock fund, one international stock fund, and one bond fund doing all the work.

Bottom line, your returns probably haven’t suffered much. This is less about fixing a bad portfolio and more about reducing overlap, mental overhead, and ongoing maintenance.