I have John Hancock, and agree they royally suck. On top of high fees, they don't even sync with Quicken, so I have to manually enter my transactions. And none of the "funds" you invest in have real ticker symbols either.
It's still better than not investing at all. But these are the guys you don't want to be with.
I've asked about switching in our company all-hands meeting. Last year the CFO said we were small enough that the bigger funds weren't any better. However, this year he apparently got a better offer from Vanguard. We will see what comes out of it.
Pester your management about switching, and ask others to do the same. The squeaky wheel is the one that gets fixed.
While I've heard of 401(k) plans that allow roll-overs while employed (it's part of the back-door Roth strategy), I've never seen it myself. You should ask to be sure, but I would be incredibly surprised if it was allowed.