There’s a finite list of things you can change at work — and your employer’s less-than-stellar retirement plan probably isn’t among them. What makes for a lousy 401(k) is somewhat in the eye of the beholder, but traits may include limited offerings, high fees or no company match. These alternatives can ensure your employer’s plan (or lack thereof) doesn’t derail your plans for retirement:

Open an IRA

An individual retirement account, either of the Roth or traditional variety, can help make up for an employer-sponsored plan plagued by lackluster options and high fees. An IRA provides comparable tax benefits to a 401(k), but with a broader array of assets and generally lower fees.

There’s one major downside of IRAs, however.

These accounts carry a lower maximum contribution threshold for tax-benefit purposes than a 401(k): $5,500 versus $18,500 for workers under age 50. The limits increase to $6,500 and $24,500, respectively, for people 50 and older.

Brokerage accounts

If an online brokerage account sounds like something reserved for people who trade stocks all day, think again. These accounts also serve the needs of long-term investors and are a good alternative to a conventional retirement account, especially if you’re looking to invest more than the $5,500 allowed for IRAs.

Like with IRAs, you’ll have access to a broader array of investments than most employer-sponsored plans, along with discretion over what associated fees you’ll pay. But there’s a significant disadvantage: There’s no tax break on contributions, so investments are made only after Uncle Sam takes his bite, and earnings will be subject to taxes, too.

Get creative

Even if you have a perfectly fine 401(k), there’s good reason to pad your retirement nest egg with other accounts. The following alternatives aren’t necessarily difficult to set up, but you’ll need to make sure you qualify and follow the relevant rules.

Got a profitable side gig? Consider opening a SEP IRA (SEP is shorthand for simplified employment pension), which is a retirement account for business owners or self-employed workers. These accounts carry a higher contribution limit in theory — $55,000 for 2018 — but that’s if you’re making a lot of money. Otherwise, the amount can’t exceed 25 percent of your compensation.

Internal solutions

It sure would be easier if your employer just offered a better 401(k) plan. If only, right?

Have you approached your human resources department about your 401(k)? After all, an attractive retirement plan is one of many benefits companies offer to attract — and retain — employees. Explain what you find lacking about the current plan and identify possible solutions.

You may be the first person to speak up about the plan — or the hundredth. But you won’t know until you ask.