I have a small chunk in a 403(b) too and I'm just wising up. It's in a fixed annuity earning around 6%. Ouch! I called and railed at my agent who told me I have 3 more years before I can roll it over then tried to get me to switch it to a variable with the same company. Still not a good deal...too many charges, too many fingers in the pie. I'll quit paying in, now, and let it sit until I can move it, but what an expensive lesson. According to my agent, I'm stuck for 14 years (just 3 more to go) but if I switch the 10% to a variable,(the company will generously "allow" that each year) then I'm in for another 10 years, automatically. She didn't mention that fact until I pressed the issue.