<prompt> Human: Having high expense ratios on my 403b with no match and no in service rollovers got me thinking. Why does the government not allow me to chose where I contribute my 23,500 5.5k 18k tax advantaged dollars? Meaning, I should be able to invest that 23,500 in any split between my 403b and IRA. Another solution is mandating the ability to do in service rollovers at least once per year assuming the funds are vested. Edit: Posted on mobile.  <response>: Lobbying dollars mostly. Large brokerage firms like that 401ks lack good options. If everyone just put all their money in low cost index funds they wouldnt have a job. 