Thanks to everyone for the replies! 

I'm finding it hard to figure out the performance of my current employer's 401k portfolio. 

You get situations like this regarding the funds owned:

Fund Name  Performance as of  Quarter End  Year to Date  1 Year  3 Year  5 Year  
Fidelity Mid-Cap Stock Fund  03/31/2004  3.15%  3.15%  41.28%  -1.18%  9.78%  
DFA U.S. Small Cap Fund  03/31/2004  5.89%  5.89%  68.73%  14.71%  15.32%  
MFS New Discovery Fund  03/31/2004  3.84%  3.84%  44.91%  0.66%  8.36%  
Capital Guardian International Equity Fund  03/31/2004  4.21%  4.21%  56.42%  3.97%  N/A  
Fidelity Select Technology Fund  03/31/2004  0.28%  0.28%  58.33%  0.99%  -2.12%  


Which make the 3 and 5 year returns seem so-so, and the 1 year return seem tremendous. 
Also, I'm finding it difficult to find out what *MY* contributions have been in the 4 years 
(with changing contribution rates, not contributing for a number of months, etc.) 
It seems company plans are not very helpful in letting the participant find out 
what they contributed, and what was gained (or lost).

It seems the best choice is as I suspected, the IRA. 

I just want to treat this money as a 'que sera sera' play. 
I am on top of my other investments, so this is basically 'play money'.

 -Dan