I have had my 401(k) with Nationwide since I started at my company at 19. Nationwide products can be sold through brokers or directly to plan sponsors. My company provides a match and profit sharings, as well as loans. I have found Nationwide very easy to deal with, with good investment options, and great online tools. While I know fees can be an issues, a 401(k) participant will always pay fees. One can never get something for nothing. I am a believer though, that you get what you pay for: Good customer service, features, and good investment options.