[bpm11]

anandabits - that's the point of our service! It is specific advice customizable to your specific 401(k) plan. Check out the site to see what I'm talking about.

I've got to agree w/ your last point - it is typically best to move money into an IRA. There are cases however where a larger employer may be able to get lower cost funds than would be available to you in a stand-alone IRA.

What is most important is putting away enough money to maximize any company match you might get.

But you're right, the limited options can be problematic; and that's why we've created Kivalia.