here\u2019s no question \u2013 a 401(k) is still one of the best ways to save for retirement. They give investors valuable tax breaks and the ability to contribute a hefty $17,000 this year, or $22,500 if you\u2019re 50 years or older. But let\u2019s face it, plenty of 401(k)s offer a lineup of underperformers, and can often come with high fees. A recent survey by 401(k)source.com reports that investment fees among 401(k) plans with at least 100 participants and an average account balance of $50,000 ranged from 0.28 percent to 1.63 percent. If you\u2019re paying 1.63 percent, that extra 1.35 percent is quite a headwind in world where stock total returns are expected to hover in the mid-single digits.\r\n\r\nBut don\u2019t resign yourself to feeling screwed. Even though you\u2019re captive to what your plan offers, you can often make the best of the situation by staying on top of all the options. Here are a few tactics to consider:\r\n\r\n\tFind out if your 401(k) is a real dog. Size up your 401(k) at Brightscope.com, which has detailed ratings for hundreds of 401(k) plans that takes cost, company match, and fund investment options into account. If you confirm you\u2019ve got a laggard on your hands, by all means harp loud and clear to H.R. that you deserve better options. But even the best-case scenario \u2013 that is, they listen! \u2013 will take time. So while you\u2019re waiting. ...\r\n\tSearch for one strong fund option in your 401(k). Scour your current investment options and look for the fund that offers the best combination of low costs and strong performance. If your plan uses retail mutual funds, it\u2019s easy to size up funds at Morningstar.com.\r\n\tLoad up on the best fund. Yep, this is a recommendation to forget about diversification. One of the common mistakes investors make is to think that each different retirement account \u2013 current 401(k), Rollover IRAs, regular IRAs, taxable accounts \u2013 must be perfectly diversified. But that\u2019s so not it. You want to think of all your different retirement accounts as pieces of a puzzle that when combined create one unified, picture-perfect diversified portfolio.So rather than have a perfectly diversified 401(k) full of sub-standard funds, keep your 401(k) invested in the best option offered in the plan. Then adjust your other retirement accounts accordingly. For example, let\u2019s say your 401(k)\u2019s only decent option is an international stock fund while the domestic stock and bond options are dogs. Consider piling your 401(k) money into the international fund. Then tinker with your other retirement accounts where you have complete investing flexibility \u2013 IRAs, Rollovers, regular taxable accounts. In this example you would reduce your international stock holdings in those portfolios and reallocate more into domestic stocks and bonds so your overall retirement allocation strategy remains on target.\r\n\tStrategize with your spouse. If you\u2019re married and you both have access to a 401(k), here\u2019s another way to sidestep bad 401(k) funds. Let\u2019s say your plan offers up a great bond index fund while your spouse\u2019s plan is full of bond clunkers. Instead of you both owning bonds within your respective 401(k)s it makes more sense for you to overload on bonds in your plan and have your spouse skip \u2018em. Or if both 401(k)s stink in the same asset class, take a holistic look at all your other investment accounts and see if you can forego that asset class in your 401(k)s and over-weight them in your other accounts where you have complete freedom to pick the best investments.