The portion of the comment I replied to, which I highlighted at the top of my response was that Op had said that “if the company managing your 4401k makes a bad investment”, concerned that (among Ops other accurate concerns) your 401k funds could be used elsewhere without your knowledge or permission by the plan administrator, which they can’t. So I corrected it.
Lazy people immediately REEE when someone doesn’t immediately jump on the tribal circle jerk and agree even when parts of a statement are incorrect. Ops point was overall correct and a good one and correcting something that was wrong doesn’t mean I disagree with the rest of it. Lookup false dichotomy.