Periodic reminder that in the United States, most 401(k) plans have horrendous investment options available, even with a SDBA.

A smart W2 employee will occassionally "quit" their job to be able to rollover funds to an IRA where access to more investment choices are given. A good employer will work with the employee and hire them back once complete and start a 401(k) anew. A bad employer will not, which is the red flag you should be looking for when deciding to properly jump ship.