<prompt> Human: I got a new job for a pretty nice pay bump. However, Morningstar runs my new companys 401k plan. I wont bore you with the details, but every plan has an expense ratio that hovers between .93 and 1.5.I kid you not when I say about a third of them have a net loss since 2000.All I want is a low fee index fund. Is it possible to squeeze this in? Would I have to talk to my HR lady? Could I keep complaining to Morningstar? I dont want 23 of my gains to go into the black hole of fees.Also, my 401k from my previous job has about 7k in the only Vanguard fund that was offered - Institutional Index Fund. Normally people say to roll it over, but in this case, I think I better just leave it where it is, right?The new job is great and so is the pay, its just their crappy 401k plan. Is there a way to put pressure on HR to at least offer a VanguardFidelity like option without being the annoying new guy?Oh and also, my company matches 3 up to your 6 contribution. After matching this and maxing my IRA, is it still worth it to max out the 401k would be 17500 for me with bad 401k choices? Or at any point does it actually become better for me to start my own taxable Vanguard account?  <response>: You dont need to roll an old 401k into your new one - roll it to a traditional IRA with a low cost provider and there wont be any tax consequences. As far as getting better 401k options, you may consider campaigning for a better planOh and also, my company matches 3 up to your 6 contribution. After matching this and maxing my IRA, is it still worth it to max out the 401k would be 17500 for me with bad 401k choices? Or at any point does it actually become better for me to start my own taxable Vanguard account?Yes, it is still worth it to contribute to your 401k after the match and your IRA. Fees have to be a lot higher than 1.5 before a taxable account is mathematically a better option. 