A few things:

- yes 401k fund options are negotiated by people that don't know I exist, or care

- but... how I allocate my contributions to those funds is under my discretion

- and... I've never stayed somewhere long enough to have a $600k 401k balance. As soon as I'm gone, I roll it over to a private account that I have full control over (and much lower expense ratios.)

So I don't really care if I'm in the door or laughed out the door, because it has no material affect on how I manage my finances.