Thanks for all your advice,I don't know exactly what is offered with each-- I know with my old retirement plan (TIAA-CREF) I had money invested in broad categories such as Global Equities, Stock, Growth, etc and not in individual stock. I'm fairly happy with TIAA-CREF but of course I don't have a lot of other companies to compare them to-- however, I do appreciate the input on Fidelity and will look into possibly splitting my contributions between them both. I will also investigate the cost of having accounts in each (is it necessarily true that nonprofits might have lower costs associated with their funds?).The employer is University of Nevada and it is unusual (the first time I had heard of this) that they require mandatory contributions. I think beyond that, you can contribute whatever you want up to your yearly maximum (like 14-15000?). However, we have other debts to pay off before pursuing that kind of luxury. It is the best deal, that they match 10.5%! My former employer only paid 5% into retirement but they did not require contributions from me, either. I haven't heard anything about AIG but I've read that it is already quite large and possibly has limited room for growth, but this info would affect its stock more than its reliability as an investment company? I don't know... I think I'd prefere to keep things simple and stick with TIAA-CREF only or a combo of TIAA-CREF and Fidelity after reading the responses.I'll keep checking back but thanks for all your help!