Again, if it has been more than a year, you may be missing out on new technologies and lower fees. Employers have to balance costs with service. They may be providing the best plan they can afford.
International funds are down.
Many growth funds are down. The usual response to the red ink is to second-guess your holdings. That was my reaction to my latest statement. Every time the Dow sank or bond yields swelled, he would call the plan's 800 number and change his allocations. Occasionally, he got lucky and missed a big market correction, but he also missed some big market rebounds.