[KFC911]

While it's true that you can't continue to contribute to your former employer's 401k plan (Fidelity), you don't have to touch what's already there unless you choose to. My current employer's 401k plan is also with Fidelity, and their fees are almost nil in my case, and I doubt I ever move it. Many years ago, I also rolled over a previous 401k plan into a different IRA brokerage account provider that also incurs minimal fees (but greater than Fidelity's).