[ececconi]

I've had a 401k for 6 years and I've never once used customer service.

Also the older you are and the more you've worked the higher your account balance becomes. So once you have people with balances with $1M+ (which if you're actually saving for retirement you'll need), they'll be drawing much more per person.

[wj]

From my experience the most common customer service requests fall into the following:

* Enrollment

* Distribution

* Rollover

* Loan

* Panic due to market movements

* Asset allocation/rebalancing

The top three on that list are when you enter or exit a job so if you have been with the same company for those six years you likely would not have used customer service.

I do encourage you to sign up for a meeting with your 401(k) advisor if they come to your office and do those. It is good even as an excuse to look over where you stand.

[loeg]

I call my 401(k) biweekly to perform in-plan Roth conversions, but would be very happy to self-direct it online instead.

[SamBam]

Can you elaborate on why you do that? Is it that you assume taxes will only go up, so you want all your retirement to be post-tax?

[loeg]

I am converting after-tax, not pre-tax contributions. For more information on why that would be desirable, this is an easy read: http://www.madfientist.com/after-tax-contributions/

[boulos]

Which provider? Vanguard lets some folks do this online...

[loeg]

Fidelity does not :-).