I don't think I know enough to control my 401K. I don't know squat about the stock market or finances, etc. I do a Great job on personal home type finances but not investments. Yes I have depended on others that I don't know to investment my retirement funds but back then I didn't even know about the evil of Black Rock!
It has done relatively ok except for this recession and the one in 2007. I should have taken more control after losing so much then but I was very busy trying to make a living, you know, survive. We didn't lose our house like so many.......and it seems now is a little late in the game.