Without my Fidelity 401K I can now retire with enough money to live a good life. Tell your boss to drop the 401K plan and get an IRA so you can control your future. This is a once in a lifetime
market that can make you huge profits with little effort. 401K plans were made to make huge profits for companies like Fidelity.
Just ask a Fidelity fund manager to explain how they figure out how much a fund will go up or down on any day, the answer should be enough to make you close your 401K and you will feel good about paying the Gov the extra 10% for closing it.