In Canada you can self-manage your RRSP (a tax-defferal plan much like 401k) and choose which funds or stocks to buy, etc. But when I was getting matching RRSP

In Canada you can self-manage your RRSP (a tax-defferal plan much like 401k) and choose which funds or stocks to buy, etc. But when I was getting matching RRSP contributions from an employer (and I assume there are some kind of government tax breaks related to this), I didn't get any choice as to the RRSP fund manager. (Which didn't stop me from moving it to my self-managed RRSP account years later after leaving said employer.) For 401k, I'd infer the reason is regulatory: employer-matched 401k contribs have to go via a certified plan manager.