Thanks for the advice - my current employer has the account set up with Fidelity, but my understanding was that if you ever left the employment of a particular "host" company with regards to a 401k, you lost the 401k - you either had to cash it out or roll it over. Since the new place doesn't have a 401k program (new/small company), I guess I just want to see what, if any other options are other than getting smoked on the early withdrawal penalties. I did have to cash out a 401k once and got slaughtered on taxes - the total value of the fund was only about $1,200, but I think I only saw about $600 by the time the government thieves got done with it. Don't want that happening again. Hell, if anyone knows how to move it to an offshore account tax-free, I'm all ears. . . Tax exempt is better than even tax deferred is!
