Originally Posted by Blueskies21

I learned something today. I've always moved mine outside of former employers for additional fund choices, I had never considered the pre-retirement distribution angle. Evidently that's a function of plan design (meaning the employer can choose to let you make "in-service" withdrawls (after 59.5 but before you actually retire) ) I have no idea which plan design is more common but there's another good reason not to roll directly from old employer to new employer.