<prompt> Human: Recently converted from contract to an employee so I am finally able to set up my new 401k. At the first company I ever worked for I contributed the minimum amount since I was just trying to get on my feet. What would be the best route to take with such a small amount in the account? Cash out? Rollover? Who would I even talk to once I make a decision?  <response>: Rolling it over has no tax or penalty consequences depending on where you roll it to. You should probably do that.You may not need to talk to anyone - if you roll it to an IRA you can generally initiate that process yourself. 