<prompt> Human: I work for a private company with locations in several states. They offer a 401K Profit Sharing Plan that has a 7 salary match. Heres the weird stuff: no employee access, no documentation except a black and white printed yearly statement, no choices as to how funds are managed, no reporting of fees, and evidently it is managed by the company itself rather than a 3rd party. I have invested since I started but thinking of increasing to maximum and cant seem to get any solid answers or documents from my HR dept.  <response>: Id consider reporting it to the EBSA. 401k plans can and do get in trouble for not giving good enough options or having surety bonds and so on. This is part of ERISA. Seems pretty obvious your plan is lacking. I would send an anonymous letter, or lawyer up if you are using your real identity. 