Up to the match only and then all in brokerage t control your own money with few rules.
Most of the retirement accounts are not for you to make money. They are for the company running them.
While you save, the company invests your money and keeps most of the growth.
Put the amount over the match into calculator and see how much you would have made on your own in s and p. If theirs is more, continue. Don't forget the fees. By the way, you can make your on fund for free almost.