You need to be educated before you jump to any conclusions. Knowledge is power. See if that is providing you with the current tax benefits that are worthwhile to you. Next, run some projections at realistic interest rates and see if the plan will provide you with adequate monthly income when you are ready to retire. That's what this whole exercise is all about.
Compound interest is a wondrous thing and can work wonders, if it has time.
All Rights Reserved, Dynamic Chiropractic, 2001.