My employer (large tech company) never offered (and AFAIK still doesn't) low-ER index funds in their default 401K investment options. The best was some company-

My employer (large tech company) never offered (and AFAIK still doesn't) low-ER index funds in their default 401K investment options. The best was some company-assembled "retirement fund" crap with an ER of ~1.5%. That was the best. Luckily, after a few years, they finally enabled a brokerage account option, which allows me to purchase index funds (of the iShares type) at low ERs.. You must be lucky, because I don't think my experience is all that rare.