It certainly is disappointing to find that the company that you signed on with, in my case in 1978, has abdicated and no longer provides much of anything as far as benefits. With all of the downsizing though I am grateful to still be employed. After a devastating divorce, which I did not want, I am left deeply in debt with next to no company provided benefits or pension to rely on and three children to put through college. I hope to work until I drop. I depend on me. The situation changes and we have to adapt or die.
The 401k's were a great step in the right direction. They still have problems, but a huge improvement over company pension plans. One big improvment would be to allow employees to roll out the company 401k into a private 401k, under their full control. Can that be done now? I might be, I may well have missed that ability, that you cannot roll out/over a company 401k until you leave the company is my understanding.
I also don't know very well how the health form of 401k's work regarding roll-over into private plans. I know COBRA's after exit are expensive -- buying your own individual plan runs cheaper, the coverage may not be comparable. I should know more how the MSA's roll-over, but I don't. Still I like the MSA's ... medical saings accounts, that concept.