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...Can you roll your current (pre-switch) amount into an IRA? At least then only new contributions would be reamed at the 2% rate.

Well, I was told "NO", I cannot do that. It's all or nothing.

That's the problem with 401k's. You are pretty much locked into whatever your current employer wants to do to you there. You have some choices in funds, but a lot of the fees are out of your control.

I wish I had better info for you. It is great that you understand what they are doing to you. Lousy that it is happening. It sounds like you have already made the best choices out there.

Without changing jobs, you are kinda stuck at this point.

Future contributions can be put into something else, but of course that will be taxable (since you have maxed out other options).


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