Should I contribute to my 401k with a high expense ratio and no matching?

What is a good rate of return on 401k 2021?

5% to 8%

Many retirement planners suggest the typical 401(k) portfolio generates an average annual return of 5% to 8% based on market conditions.

What is the average 401K balance for a 65 year old?

To help you maximize your retirement dollars, the 401k is an employer-sponsored plan that allows you to save for retirement in a tax-sheltered way.
The Average 401k Balance by Age.

AGE	AVERAGE 401K BALANCE	MEDIAN 401K BALANCE
35-44	$86,582	$32,664
45-54	$161,079	$56,722
55-64	$232,379	$84,714
65+	$255,151	$82,297