re: Roth IRA vs 401k

Without knowing anything about your income, typically its beneficial to contribute to a Roth when you are younger because you'll be in a higher tax bracket when you get older. There are income limits and phase-outs.

I'd recommend to stop contributing to the company 401(k) if there is no match. I'd contribute the max allowed to a Roth IRA and then any amount you'd wish to save for retirement, put it in your company 401(k)