<prompt> Human: My company has us in a horrible 401k plan. I spoke up and got them a proposal from Employee Fiduciary which seemed like a great plan. They opted to listen to someone else and are going to switch us to Principal Financial. I dont know anything about Principal. Anyone here know if they are good? I currently have about 75k in my 401k. Appreciate the input.Assistant: would it make more sense then if they go with Principal to pull my 75k out of the 401k plan and roll it over to my roth ira which is with etrade by the way?Human: If you roll it over to a Roth IRA, then youll have to pay fed and state if applicable income taxes on the 75k. If you roll it over into a Rollover IRA, you dont and it functions the same way a Traditional IRA does.Assistant: So theoretically I can set up an account with vanguard and create a rollover ira correct?  <response>: It is highly unlikely your plan allows you to rollover your 401k to an IRA while youre still employed by the company. 