If you take an early withdrawal, you will be required to certify on your tax return that you are exempt from the penalty because you meet one of the reasons outlined in the CARES act. Who the plan trustee is has nothing to do with it.
Incidentally, if you are unhappy with the 401(k) plans, you can always do a transfer of funds to a private IRA that you can set up with any bank or broker (if you are separated from the sponsoring employer). As long as you do a direct institutional transfer, there is no tax impact at all. You will have more investment options in a private IRA; on the other hand, the plan fees may be higher.
