Title says it all really. My wife and I don't know much about IRAs/401Ks, etc. We did do full matching when she was employed, plus a couple extra percent, so it built up fairly well.

Now we have to move it out of the company 401K account. It is through PayChex if that matters, but they are saying they can setup an IRA for her and just roll it over.

My question boils down to, shoudl we consider going through PayChex, or use our bank, or use our credit union? Do these things have different percentages or anything to consider? And should we be looking at Roth IRAs (?), or some other non-basic IRA?

Any information and suggestions are greatly appreciated. We only have 30 days to make this decision and get it done, so time is a factor here too if that matters.

Edit: More info that might make a difference: She is not planning on returning to work. I have a pension I contribute to, and cannot afford to contribute to a retirement fund right now from my income.