PHI fails in 401Ks  

You take the split option and put it in the external brokerage over at Schwab like I do.

Phi 401 vehicle offerings are pis-s poor at best.

If you find a decent one from phi's offerings, put cash in it....the market will tank and Phi will play the shell game with your cash and say, uh this fund sucks, we are dropping it ........for this other crap fund.......and the money you lost goes away with the tide and the 50% you had left in that crap fund gets shuffled to some other crap fund not of your choosing....only to eventually do poorly.

Ask this Avionics guru how I know.

Been there, played the shell game.  100% of my 401 is over at the Schwab side of the house today.  Yeah I take a 100 dollar hit every year for fees.  But it's f king worth it.

I decide how my money is invested.  If you had half a brain, you'd be over there too.