If Dr. William Bernstein and a congressional hearing are handwaving then I'm guilty.

I'm sorry I can't prove where something is hidden. Otherwise it wouldn't be hidden. Sheesh.

The original poster asked for advice re: 401K rollovers. My advice that most plans have hidden costs.Congratulations are in order if your plan doesn't.

Even more important is the flexibility that IRAs have versus 401K plans regarding distributions due to death of participant.

People often have the beneficiaries screwed up rolling it over gives you a chance to fix it.

Here's a link.

http://www.401khelpcenter.com/cw/cw_planfees.html

Best wishes,

buzman