I think you might be missing astura 's point: you are essentially doing your own thing, restricted to the investment choices your company made HOWEVER, the gove

I think you might be missing astura 's point: you are essentially doing your own thing, restricted to the investment choices your company made HOWEVER, the government gives you a tax break on it that is much bigger than the tax break they would offer if you just did an IRA at the company you picked. I think it points out the dangers of government regulating too closely, but it IS a valid point.