Hi @michaell357,
Welcome to the Fool.
Let’s talk “match” first. Matching funds from the employer are based on your current contributions for a certain time frame (usually one year), not your balance.
IRA vs 401K:
- IRA’s are normally more versatile because they have few limitations on the investments you can buy.
- 401K’s usually have limited investments based on the company that administers the 401K plan. Many plans have been improving their offerings lately so you should check yours.
You need to speak with the administrator in your HR department to find out if they allow a transfer from an IRA to your 401K.
Personally, I would keep the IRA in place. Our old 401K’s had limited investments and I converted all of them as quickly as I could to our IRA’s.
Does that help you?
Gene
All holdings and some statistics on my Fool profile page
https://discussion.fool.com/u/gdett2/activity (Click Expand)