<prompt> Human: Hi.A couple of years ago I was working at a distribution center that set up a 401k for me with Diversified. Fast-forward to now. I am unemployed seeking employment so no money is going into the 401k account. Theres about 2200 dollars in there that normally would have sat collecting a small interest rate waiting to be a part of my financial future. I recently got a letter from diversified saying that since the amount is less than 5k, they will be charging a fee every quarter of 8 dollars. The interest rate is so low that this 8 dollars is more than the rate of growth... so I need to do something. I could:1 put in 2800 so the account goes to 5000 and starts earning the tiny interest rate again2 wait longer to get a job and hope it doesnt take much longer 3 take the money out of the account, suffer the 60 tax and roll the remaining 900 into some other investment... 4 ...What do you suggest? Any advice will be considered valuable.  <response>: You cant contribute to a 401k out of pocket.Call Vanguard and roll over the account to a Traditional IRA. This is also a pre-tax account so you dont pay any taxes to move your money to a Traditional IRA. If you opt in to e-delivery, Vanguard wont charge you account maintenance fees. 