<prompt> Human: My employer allows had 4 4011K403b providers. I started with one of those companies and then moved to another Vanguard. Today, my company announced that it is going to consolidate to one provider Fidelity. Im pretty sure I cant combine these accounts at Fidelity until I leave, right?  <response>: If your employer is moving over to Fidelity, it is likely that all of your holdings will be moved to Fidelity as part of the consolidation. 