<prompt> Human: Utah Wife works where a 401k and traditional retirement are providedgreat!, and are managed by TRowPrice. The options for the 401k seem to be all high fee managed options. I know I could do better long term with low fee index funds. When I asked the TRowPrice folks, they said I had to pick one of their options High, Med, Low risk, but that low fee index funds were not an option. How true is this? Feels like I should be free to move this to another financial company if I wish. Options?  <response>: Most company 401ks dont allow in-service rollovers, but when she quits that job she can roll it over to an IRA with whoever she wants Vanguard, Fidelity, or Schwab are the best. 