<prompt> Human: My company 401k has better expense ratios than Vanguard when comparing similar funds, even the Admiral funds. The convention is to contribute up to the employer match My case is 4, move to an IRA, then back to the 401k. Does this advice change in my situation? There is not any load fee and I believe the administrative fees are about 50 a year.nbsp; Target Retirement 2050 Fund - 0.06 0.18 SP 500 Fund - 0.02 0.170.05 Bond Fund Benchmark: BarCap US Agg Bond - 0.03 0.200.07 Russell Small Cap Completeness Index Fund Benchmark: Russell Small Cap Completeness Index - 0.04 0.230.09 International Index Fund Benchmark: MSCI AC World Ex USA IMI NR - 0.08 0.220.14  <response>: When your 401k offers you lower expense ratios, there isnt a need to fill IRA first; go ahead and max the 401k, and do an IRA only if you can contribute more.What you are likely seeing is institutional expense ratios, which are available to the plan but not individual investors. The rates you listed are very attractive. If the underlying funds follow the indexes you want to track, its a great opportunity. 