In some states your retirement account is protected from civil suits. In some states if you roll it over into an ira it is not protected from civil suits including divorce.
Iím still using a professional at half of one percent per year. My $500,000 401k went south in March to the tune of 40%. Iím in 6 different Mutual funds. This week it got back to exactly where it was in early a March. Iím not giving you more specific info because you need professional advice. When I set up my 401k, my advisor asked me what fee sounded good. I said half of one percent annually and he said fine.
Get professional advice.