<prompt> Human: My employer handbook says I may defer up to 15 of my income to my 401k, not to exceed fed limit 18.5k. I make 45k, so this caps me at 6,750. They match 15 on 6, so its not like they will be impacted by me contributing more. Why would they do this? I suspect there are only 6-10 people who make enough to break the 18.5k at a 15 cap.EDIT: RAGE! I just read the rest of my plan and fund options. The expense ratios are complete trash. I didnt see any loading, but they are all actively managed in the 1.5 range. I did the math, by the 6th year the I would start losing money if i took it after-tax in my vanguard. Im pretty salty. Im not sure Ill even take the 405 yearly cause of this. Can I rollover from 401k to tIRA without quitting?EDIT2: STILL RAGE! 405 dollars yearly is marginal. Im pretty sure Im going to pass it up because Im not giving some garbage company my expense ratio.EDIT3: I plan on staying for 3 years, which would give me 75 vesting. To boot, active participants cant withdraw until 5 years. Im just going to maintain my budgeting schedule pretending they dont have a 401k until they get a non-poop plan. Actually, my poop is nicer than this 401k plan...  <response>: EDIT3: I plan on staying for 3 years, which would give me 75 vesting. To boot, active participants cant withdraw until 5 years. Im just going to maintain my budgeting schedule pretending they dont have a 401k until they get a non-poop plan. Actually, my poop is nicer than this 401k plan...Woah, woah. Hold on there. If youre planning on leaving in 3 years, at which point youd be able to roll everything into an IRA with very low expense ratios, and you only need to pay 1.5 ER while in the plan, definitely contribute to it. Youre doing yourself a disservice for not. Sure, you might pay like 600 in stupid fees, but youll also get an extra 1200 in matching, plus all the tax savings.I would still try to max out the match youd need to contribute 2700, then contribute money to your Vanguard IRA Roth IRA might or might not make more sense, then max out your 401k, if you have the money to do it. 