<prompt> Human: Tl;Dr: I think I want out of my Employer 401K - What are my options?Employer matches 50 of the first 6. Im maxing their match 6 but looking at 2013 performance - I earned 15 which depending on my distribution could be great or sad depending on the looking glass you are using...All I want in life is to get everything into a Vanguard Index 500. Called the 401K managment arm and they stated I could take 50 of the balance and using their internal brokerage invest it in whatever I saw fit. Why only 50?Investment options through my employer are all terrible it seems. There are pre-set packages with asset allocations which adjust over time depending on when you want to withdraw for retirement. I picked the one which had the highest mix of stocks based on my age and my relative estimation of how the market would perform in 2013.Also the customer service rep mentioned something about only being able to move funds which came from my employer. It seems my portion of the contribution is locked up with them until I reach retirement age. I can withdraw earlier but penalties, yada-yada, etc.I feel like my employer either has a racket going on with this firm since they have my money hostage and seemingly I can only invest in what they prefer. Can someone give me some better clarity on whats going on and what my potential options are?  <response>: Please provide some details of the choices and fund expense ratios. Plans with brokerage options are usually among the better ones with good choices, but its hard to tell without details. What were you invested in that performed badly. 