Heads up if you already have or for when you transfer/rollover / close your account I closed my XJT WF 401K account and rolled 100% of it to a different institution. Wells Fargo kept the dividends that arrived after I closed the account, never notified me of them and kept charging fees on the money for the better part of a year. In the big picture, it is not a lot of money but I find the practice highly unethical and when you multiply 40 + bucks times tens of thousands, if not hundreds of thousands of participant it becomes real money really quickly. I filled a complained with the SEC. If you have experienced the same, I would like to urge you to bring light another Wells Fargo unethical practice.