“OPT OUT of the entire program- Pay the penalties & the taxes & get off the program completely.”
Sounds good, BUT...my employers tells me the only way to get money out of a 401(k) is to retire to quit the job. That doesn’t sound like such a good trade-off to me.
Maybe not...but it does sound illegal. Check with the financial institution who manages the plan. There must be a service number you could call. For instance, the plan my employer offers is managed by Fidelity.