Unless you change jobs, in which case you might roll over your 401k into an IRA. I agree, though, that this is a digression from the broader argument, which is

Unless you change jobs, in which case you might roll over your 401k into an IRA. I agree, though, that this is a digression from the broader argument, which is that the lack of an easy and unqualified free option (or automatic filing) by the IRS is a particularly egregious case of regulatory capture by the tax prep industry.