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Most 401(k)s have around 20 options at most (of which half or more will be target date funds). My current employer's 401(k) steals $4.33/month from my account for management fees which is on top of the management fees for the individual funds' management fees.

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And what about the other half? Probably options with fewer or no stocks. You can also do in-service rollover to an IRA somewhere else with more options and no custodial fees.

I don't know that I've ever had the option of an in-service rollover. I googled it and saw:

> According to the Profit Sharing Council of America (PSCA), up to 77% of 401K plans include a provision for in-service 401K rollovers. Many of these only allow plan rollovers when a worker reaches a triggering event such as reaching retirement age, disability, plan termination or reaching the age of 59 ½ years.

So even many of those who are in the 77% who have in-service rollovers available don't qualify for them.

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