HSA transfer - when is it worth it?

Time in the market beats timing the market, as they say. My HSA through work has a maintenance fee on investments, I believe it's .60% annualized and paid quarterly. Thankfully, they don't charge fees for direct transfer to another HSA provider (Fidelity, which is where I moved my last employer's HSA). The downside to this is that the transfer takes upwards of a whole month to complete. Being out of the market for a month is less than ideal. The investment options are limited, but there is a vanguard target date fund that seems unproblematic. Say I have a $10,000 balance. The cost to stay with the current provider is $60 a year. Is it better to eat the $60 yearly cost, or to lose out on a month's worth of staying in the market?