I am part of a small business group and max out my 401k. Long before I arrived on the scene, the group had decided to use a local bank for the 401k plan, a fairly large regional bank with a decent size trust and retirement dpt. Even so, these jokers look like/act like bush leaguers c/w Vanguard (which I am very familiar with). It would be a Herculean act to get my group to change to Vanguard, so I'm looking for advice on how to work within this limited system. They offer "model" allocations which include Hancock funds and some TRowe Price funds, and you can apparently call the administrator and he will purchase individual equities in brokerage account which seems VERY archaic compared with online transactions that I'm used to. Should I buy Vanguard ETF's via this "brokerage" option?? Will they let me send monies to a Vanguard brokerage acct and then I can buy and sell ETFs myself? I have been so frustrated with their limited options that I have 100k in a 0.5 percent CD. Any input welcome. Thanks in advance.