You should have taken out the whole 50k out when covid hit, took the tax hit, and put it into a boomer broker index fund with 0 fees that you have total control of.
Imagine having money that is your money, and in many cases already had taxes paid…. That isn’t your money.
People using the ups 401k are giving up control of their money to the bankers just for a 15% tip (tax break)
401k’s are a scam, especially with no company match, but advisors shill these things to prop up the markets, and keep stock prices in select funds (cough cough bright futures) supported, while prudential is getting a huge compounding cut that ends up being worse than the 15% tax savings in many instances.