That blows. Ask your HR Karen to get a brokerage option added to your 401 plan. It can be done EASILY by every 401 provider. Cause a stink, get every coworker asking for one and don't make it about Bitcoin just that you should have the option. Push it that way to coworkers too.

Hey, we could have this, why don't we? It won't cost them anything so why tell us no? Do they not want us to have freedom with our own retirement money? And so on.