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If the funds are the same (and you intend not to make any changes anytime soon) then look at the share classes of the respective funds. In the IRA, you will be paying retail prices for the funds. If the plan is big enough, it may be getting institutional pricing - saving you a few bucks in expenses (which flows directly to the bottom line).

Thanks, I've spent some time looking into it and yes, you're right - keeping it in the 401K will save me money vs. the IRA.

There is also a web interface so I will be able to view and control the allocation of funds going forward so I think I will keep it where it is.

They are legally responsible for letting me know if the website closes/the company gets bought/etc. etc., right? That is my big fear - losing contact/control of my 401k in the coming years and then not getting the distribution when I do reach retirement.
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