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It is also testament to the success of TIAA-CREF's massive advertising budget. In the Beacon Press blog entry, I wrote, As a competitive company, TIAA-CREF advertises heavily to convince participants to contribute more, maintain its hold over existing accounts, and secure new business.
Another might be that you just don't want to keep track of so many different accounts. A final reason, would be that you can take loans from a 401k, but I doubt you can take loans from your TIAA-CREF account, especially since you are no longer working in higher-ed.