Your statements will only have included charges by the provider. The Govt depts charge 1% on top of this for "admin purposes". If you go with your own PRSA AVC you will avoid this charge. PRSA AVC charges and fees can be much less than those applying to the default civil service schemes, and you have a wider range of funds available.
If you have a problem with waiting for the PRSI refund, then reduce your payment slightly then increase it next year.
You are clearly unhappy with the present arrangement, but staying put wont improve the situation. A comparison of the return you would have got from any of the PRSA schemes versus your present scheme, since you started, will convince you.