So apparently at work we have access to Principal and can contribute both full amounts to a 457 and 401 account if we choose. However it can only come from payroll, and there is no match.
They offer no ETF options in either scenario.
They claim all "fees" are paid by the employer because it's a "group" account.
What am I missing or do I need to ask more about / look into? I can't fully fund both of them but one seems doable, in that case any thoughts about the 457 vs 401 other than the one benefit I know about, which is I know I can take 457 monies out penalty free before 59.5 and that seems to be a benefit over a 401.