I’ve got 25+ years until retirement, and I plan on opting in (by not opting out). All of my pretax and company contributions go to my brokerage link account where I can invest however I want, so when I get spill cash (and this will be my first year getting it), I can offset the bond holdings in the plan with a higher risk tolerance in the brokerage link account. Risk neutral, greater tax avoidance.

To be more honest… My nearly 50% QQQ retirement account will be better hedged with tax benefits & bonds.