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About the "cons" in the "Rollover Into a Mutual Fund Company IRA".
I don't think ANY of those are true when doing a rollover to Vanguard. Yes, their funds do have minimums, but they are reasonable and if your 401(k) doesn't have enough to meet the minimums then we are talking too little money to worry about anyway. If you really do have a small amount, it van all be put in a single balanced fund. This is one of the best options anyway.
Vanguard does provide a brokerage service so you can buy anything available on the open market and their fees are among the lowest available.
2 years, 3 months ago on How to Roll Over Your 401(k) When You Leave or Lose Your Job – The 401k Rollover