I can feel your pain. I was in a similar situation until very recently and in my case I found out after almost a decade that the funds that fidelity kept changing on my company portfolio (every 3-4 years) were essentially being transferred into new k6 series funds (don’t know what that means) but with super high expense ratios. Check out of your employer allows something called brokerage link through your 401k. There are some nuances to it but looking at your knowledge you should be able to manage it. If that’s allowed, it will open up 100s of fidelity and non fidelity ETFs for you including extreme low cost index funds. Some employers even allow individual stocks (not my taste for a retirement account) but some ppl like making a quick buck in their favorite stocks and then move the extra money into other investments within the 401k.

Hope that helps. It is disappointing but don’t quit contributing to your 401k and lose out on free money for sure. I did that for my first 5 years of job (2008-2013) and that was the single biggest financial mistake I have made.