On the basis that it is impossible to predict future returns, I would look at the fmc. Assuming the risk profile of the two funds are similar, then the lowest fmc is best. So if both offer 103% allocation then the Zurich fmc will cost 0.25% less per annum.
If you compare the first two funds, the extra allocation of 1% (105% v 104%) will be absorbed after 4 years by the 0.25% higher fmc. An AMRF is a long term investment and unless you switch managers every 4 years, the lower fmc will be significant over time.