My employer has always offered both before & after tax options for our 401k, and starting this year will offer a Roth. So it is worth checking to see if it's before or after tax. I think your pay slip might show you. Mine groups before and after tax deductions separately. If it's after tax, I would think it would only make sense to put it in a Roth. If it's before tax, it sounds like your best bet would be to roll it into a traditional 401k. Unless you are expecting to have really high income after retirement, I wouldn't see any advantage to converting it all to a Roth and taking that big tax hit now. I rolled my DH's 401k over to Vanguard. They were helpful and straightforward and didn't try to offer any more assistance than I was requesting. He could have left the money where it was, but Vanguard had similar funds with lower fees. I used tools on Vanguard and info I learned on Mr Money Mustache forum and Bogleheads to determine asset allocation.