I need some advice about my 401k plan?

I would strongly consider an equity indexed universal life plan, assuming your contributions are not being matched. The contributions will be taxed in the year you earn them, but the returns will be comparable to the best funds above (based on the last 25 years, the returns for plans tied to the S & P 500 have averaged over 10%), the returns will compound tax free, there are no limits to the amount you can contribute each year, you are protected from loss with a guaranteed floor, and you can access the money tax free at retirement, thanks to zero-cost loans. Not only will you protect your family from the possibility of a disastrous loss of your life if you die, you'll be building a TAX-FREE retirement income that you cannot outlive. What's not to like?