401K Question

I'm assuming you're talking about your rate of return. The Dow is up 20% since the first of the year and if you're only getting a 3% return during that period something is very, very wrong. Unless you are sixty years old and very risk-averse, you need to review your portfolio and consider putting more into stocks. How much more depends on your age and how many years you have to retirement. You may be best served by getting into a target fund for your estimated year of retirement. The asset allocation will then be done automatically each year by the fund manager.