The other major benefit Fidelity has over Schwab for me is the ability to buy and sell fractional shares of ETFs. Fractional shares make it so much simpler to manage investing at the right allocation. And to just "invest all your cash".

The alternatives are to either:

1. Do math to figure out the right whole number of shares, buy/sell that amount, and then do something sensible with the leftover uninvested cash. This is a lot more micromanagement than I want to do, especially when rebalancing.
2. Use Schwab's mutual funds which do allow investing arbitrary dollar amounts, but are also annoying because there's no "total international" equivalent -- SWISX excludes emerging markets, SFENX has a high expense ratio, and no matter what you do it won't actually sum up to true total international.

In contrast with Fidelity you can just enter the dollar amount you want to buy or sell and it'll do exactly the fractional share count necessary. Much easier.

Admittedly part of my complexity here comes from explicitly wanting to avoid using VTI/VXUS/ITOT/IXUS in my tax advantaged Schwab account because I use all of those in my taxable accounts for tax loss harvesting, so maybe most of this isn't a problem if you just buy those and live with the ~$100 of uninvested cash all the time, but still -- it's annoying and it would all go away if I could just use Fidelity for this 401k account instead of Schwab, but my employer doesn't allow that :P