Be aware also, that while you may have limited investment choices in an employer sponsored plan, those investments may have lower fees and expense ratios than the same investments when privately held. That can lead to higher returns if you leave money in the employer plan.
(In other words, the ABCD mutual fund might have an investor class with expenses of 1%, and an institutional class that has 0.25% expenses. The employer plan can buy the institutional class but in your private plan you can only buy the investor class. You net more growth over time with lower expenses.)
