Your best bet here is Quinn Life. They do not require a single contribution to start the plan. They have 12 passive funds avaialable with charges varying from 1% to 1.5%.
On charges alone, the Eagle Star product is probably the nearest, in competitive terms. They require a €7,500 single contribution to start the plan but they have 24 funds available at 1%, including 4 passive funds. They have reducing scale early exit penalties in the first 5 years of the plan. These are not on the Quinn Product.