Contribute to get the maximum company match - that's incredibly valuable owing to the 50-100% extra you gain.
You can do fairly well outside a 401k when investing in stock funds. If you don't sell, VTSAX will only tax you on dividends plus some LT/ST gains they experience during the year.
In general when I hear Voya I think high fees. Vanguard doesn't pay for TV ads, Voya does. That money needs to come from somewhere, and those 0.71% expense ratios are a good example. The money you invest that does not get matched is probably better off in a lower cost funds.
You might point out the Supreme Court decision on administering 401k. The decision was that 401k administrators must look for improved expense ratios on an ongoing basis. If they keep the same lousy expense ratios, the breach of fiduciary duty is ongoing, and resets the statute of limitations. Basicly, they don't get forgiven if they wait it out - they need to improve expense ratios or risk breaching their legal duty to you as a 401k participant.