Sometimes people see or read about a good alternative to the 401k investment but do nothing about it They just reject the new option because of negative pressures from sources that have ulterior motives. When you find a potentially viable alternative to a 401k pursue it with unbiased sources. Do not do what everone else is doing. Do not be lazy just keep in mind that this is your future you are dealing with.
When you invest in a 401k you put all of your eggs in one basket. And if drop the basket the eggs are all broken meaning the market crashed and you 401k and your retirement is in the toilet. Diversify and put your eggs in several baskets so that if you drop one you still have other investments protecting your future. A small 401k investment is fine but put some money into other areas such as life insurance.