A lot of plans (well, a growing number) are now offering a self-directed brokerage account so that participants can opt out of the preselected investment options and pick their own. You should ask your H.R. department about adding that as an option.

As luck would have it, I have asked HR ;)

They have no clue what self-directed means, who to contact at the 401k provider, and aren't really interested in making more work for themselves. Simply getting some paperwork forwarded along to the provider took a couple of months. Unless you're a C-level exec, it ain't gonna happen.

I think you are onto something there. I feel like it usually is the C-level exec that feels he can out perform both the advisor's models and the market in general.