Seeking Advice: JP Morgan Managed Account, JP Morgan Automated Investing, or Fidelity Automated Investing

I'm 23 years old and recently received a $200k insurance settlement from a motorcycle accident. I plan on investing 180k of it and leaving the 20k for a rainy day, I have little to no knowledge on investing and this would pretty much be all the money I have. I bank with JP Morgan and met with one of their advisors today. They offered me two options: a JP Morgan managed account with a 1.34% yearly fee that includes a dedicated advisor, or a JP Morgan robo-advised account with a 0.35%ish yearly fee that does not include a dedicated advisor. I'm also considering a Fidelity robo-advised account, which has a similar fee to JP Morgan's robo option. The recommended portfolio is split with 50% in Fidelity 500 Index Fund, 20% in Fidelity International Index Fund, and the remaining 30% across sector ETFs like tech, healthcare, consumer staples, energy, and industrials. Does this seem like a smart strategy, or would sticking to the S&P 500 be better? What would you recommend? Is the managed account worth the extra fee for someone in my situation? Any advice would be appreciated thank you greatly