Re: Help me predict the near future...
Yeah, i'd just take it. As I was reading your fine print above my internal bullshit translator was just repeating "we're going to try to screw you when you take out your money" over and over again with a deep static-y hum in the background.
Unless you LOVE the investment offerings in the existing plan and its performing well, then I'd consider it further.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.