Paychex invest your money so they can get a profit from it. They will do everything to hold hold your money and charge abusive fees. I rollover my 401k and asked for a disbursement check for my self. Instead they give my disbursement check they took taxes out of the check agains a loan that I had previously. The could give me my money and simply send me a w9 for the taxes. Terrible company that only care about then selfs.