re: 401k Rollover advice needed........

If you like the Schwab offering then just keep the Schwab account. You won't be able to contribute to it but you don't have to leave either. Or, you can rollover to an IRA and make contributions there subject to IRA limits.

Unfortunately you can no longer make contributions to your Schwab account as a 401k, that must be through the employer-provided plan. Some plans (not many) will allow you to take in-service distributions that you can roll over into an IRA (this is the famous "back door" IRA) but like I said it's pretty unusual for this to be allowed.