I don't know that I've ever had the option of an in-service rollover. I googled it and saw: > According to the Profit Sharing Council of America (PSCA), up to

I don't know that I've ever had the option of an in-service rollover. I googled it and saw: > According to the Profit Sharing Council of America (PSCA), up to 77% of 401K plans include a provision for in-service 401K rollovers. Many of these only allow plan rollovers when a worker reaches a triggering event such as reaching retirement age, disability, plan termination or reaching the age of 59 ½ years. So even many of those who are in the 77% who have in-service rollovers available don't qualify for them.