<prompt> Human: My 401k through Prudential seems terrible. The expense ratios in the very limited funds range from 0.6 to 1.2. I currently just do their Aggressive Goalmake fund, which rebalances quarterly with my retirement date. I am in a union, so even if I quit my job, Id still be in the union associated with this 401k program. I have a Roth IRA that I max out every year with Vanguard, can I also open a traditional IRA and roll my money from the 401k into it to give me better control of my money? Here are the rules posted, but I am not sure how they apply to what I am trying to do.I am 35 and have about 30k in the 401k.EDIT consensus says I probably cant do what I want, so here are some of the lower fee funds I am thinking of allocating myself to:PSIFX Similar to SP .32ER 40BPRIX Inflation protected security .64ER 20VGSLX Vanguard REIT .10ER 20AEPGX Europacific Growth .84ER 20Assistant: Depends on the plan. Ask HR. Most plans dont let you.Human: Yeah I work for a very small company, the owner does payroll and, while it is a great company to work for in 90 of the ways I analyze a job, she is pretty unhelpful about anything I have asked her regarding anything 401k related. She just takes the money out and sends it to the union.  <response>: Well no one here can tell you because it depends on the plan. Look at the paperwork for the plan. Ask the owner to find out. If the plan it through the union, ask an HR union person. 