"The plan is a pooled 401k (yes, they still exist!) and now the owner needs do to Roth catch-up deferrals. I really don't want to commingle the pre-tax and Roth in the same account. Is there a discrimination issue if only the HCE HPI has a self-directed account? I have been suggesting that they move to a participant-directed model for years and I was hoping that this would be the thing that clinched the decision.... but the owner says that he's retiring in 2-3 years and doesn't want to go through all the changes for a short term, so I'm looking for a different solution. Part of me hopes there isn't one.... Any other suggestions (other than 'you can't always get what you want, even if you are a doctor')?"