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Option 3. Roll it over to a traditional IRA.


I would do 2 or 3 (depending on whether or not you think you can foot the tax bill at the end if the year considering it might take you to a higher bracket) because your investments options will likely be limited if you roll it over to your new company's plan.

Eta: I'm a novice, but that's my understanding of these things, I could be wrong

Roll it over into an account that has zero management fees, backed by secure assets, and can give you double digit returns every year. I would also pick one that is not correlated to the stock market and would not be dependent on our economy as well.