IBM

The 401k program has very low expenses.

Senior executives are clueless idiots. They are so far removed from the technology and are totally preoccupied with hitting a specific EPS, that the bottom is falling out of this company.

The hardware business is on the verge of total failure. The software business is based on buying smaller software companies, pushing the new product to existing IBM customers, then off-shoring development & support for the product. This is "pump and dump", but for software. IBM has done so poorly in Cloud services, that they had to abandon their current offering and spend a rumored $2 billion to buy another cloud provider. That provider (rightfully so) refuses to integrate solutions like IBM Power because they know what an unmanageable and uncompetitive disaster it is.

The working environment is incredibly toxic. The threat of layoffs is constant. The vast majority of tech people in this company are embarrassed to work here. The ones with skills are leaving in large numbers, even if it means losing stock grants, 401k matches, and retirement benefits.

Start hiring proven leaders from outside the company. The last time this company was turned around, they hired a CEO from outside IBM.