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[–] 11036694? ago 

both of the accounts I have had allowed for investing in various things once the account balance was high enough and didn't have any fees for the end user beyond what the employer paid for admin. I'm sure it changes once you quit your job though, particularly if the balance is smaller.

dunno if rollovers to a decent company like Vanguard are a thing, but that'd probably help after leaving a job to avoid getting screwed if it's a thing.