<prompt> Human: ...Are stupid high. This is another company thats offering actively managed mutual funds with some funds ranging in the .87 - 1.95 total expenses. But my employer is offering an unknown match until tomorrow when I find out. I already have a Traditional IRA through Vanguard, it would probably take me seconds to setup an individual 401k through them. We are a small company so Im sure I could pull some strings, but anyone else been in this boat before? Has anyone said No and used their own account?Whats the point of investing in retirement if .87 to 1.95 of it is taken out over 30-35 years over compound interest?What would you guysgals do?  <response>: Individual 401k is only an option if you are self-employed, not something you can use to replace your employers 401k if you dont like what they offer. 