<prompt> Human: Last night my girlfriend asked for help with her retirement funds from her company. I was shocked to see they charged 5.75 for purchase of the recommended fund which just splits the funds into sub funds, and also charge about 3 each year.While the options are poor overall, there is an option for either a US treasury or an SP 500 fund, both at 0.69 in annual fees. My recommendation was to use that, and roll it over to a low cost IRA periodically.Anyone have better ideas? She just stated here, so there isnt much there, and its split into 3 accounts ROTH 401k, Trad 401k and 100 vested 1:1 match account. I said she should roll over each account as it reaches 1000 so she can invest in the lowest initial investment funds I found on Vanguard.  <response>: and roll it over to a low cost IRA periodically I said she should roll over each account as it reaches 1000 so she can invest in the lowest initial investment funds I found on Vanguard.Does her plan allow in service rollovers? Most do not... 