<prompt> Human: The reason I would want to do this is I may not work there much more than a quarter of the year. The fees are pretty low, so I think it is a good deal even though I wont get vested.Assistant: Sure, but since you arent getting vested i.e. no free money, cant you just open your own IRA at vanguard or wherever you prefer?Edit: umejelic is right, I forgot about the difference in contribution caps. If anyone, like me, wonders why the arbitrary difference, I found this source which says its basically 401k industry lobbying: Human: I guess I should bite the bullet and open one, but to be honest Im so lazybusy if I wait til I do I might miss out  <response>: Do it today. 