<prompt> Human: My company has a Roth 401k that offers funds with the lowest expense ratio at 1.02. Im guessing that despite the lackluster fund selection, the tax deferment still makes it more worth it to invest in my 401k than not? Is there anything I can do to get a better fund selection or to move that money into my Vanguard account? Thanks!EDIT No match, and yup it seems like the tax deferment still makes it worthwhile. Ill also look into seeing how we can make a move to Vanguard for our 401ks. Thanks guys!  <response>: FWIW, my employer switched from Fidelity to Vanguard after a few employees gave a presentation to the CEO explaining whyhow it was a better choice for current and future employees.Dont underestimate your own ability to lobby for change within your organization. 