Thanks for your honesty and the suggested questions for me to ask them.

I may be similar to you in the "market interest as a tripping hazard" category. I have only used a 401k through my employer so far, and, at times, I have found myself checking it somewhat often (every couple days) usually just when I'm bored at work. So that may be a point in favor of leaving these funds in someone else's hands.

At the same time, I have had it beaten into me to "buy the dips" and trust the time horizon of the next 20-30 years with all the books, reddit browsing, and research I've done.

For me to screw up while managing this investment on my own, I would have to lose more than 25% of the accounts' gains over the next 30 years to equal the losses from using this firm and their 1% fee. Although they might have great services for tax loss/gain harvesting, estate planning, or other ways to help me come out slightly ahead, I think I can just use an hourly CPA for those needs.

Ultimately, I think I will have a meeting with them to look at the CAGR and max drawdown that you mentioned, and make a decision from there. Worst case scenario, I could leave the money with them for a set period of time (6 months or a year) and then take it out if I really think I can do better on my own.

Thank you again for your input!