I think a good compromise would be that you have to hold the $ in the 401K account with their choices for X amount of time. A year, maybe 18 months? Then it should be like you’ve left the company and can roll that eligible piece of your 401K into an IRA and do what you want with it. Most people would be lazy and let it sit in the 401K account anyway. I think we are talking a low percentage of employees that would go through the trouble of taking a portion out and rolling it over in order to have more control.