<human>: Could you distill the essence of the text into 1-3 sentences?

Hello,

I am no longer at my employer. After 3.5 years of eligibility, I saved up just shy of $20k through their 401k program. 

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I have three options, at least that I know of, from here:

**Keep my money at ADP**

- I am allowed to keep my money at ADP to the best of my knowledge. However, with the lack of fund options that are enticing I am shying away from this option. Only 3, if I am not mistaken, of all the funds were rated 4 or above by Morningstar. 

**Roll it over to a Traditional IRA**

- I do believe that when I retire that the effective tax I will pay will be higher than they are now. 

**Roll it over to a Roth IRA and pay Uncle Sam**

- I could not pay the immediate tax liability if I moved $20k over to a Roth IRA. Are there a means of moving the money into a Roth IRA and using the cash from within the Roth IRA to satisfy the tax liability? 

If there are more than those options to choose from, let me know.

Here are the funds that I have my money invested in now:

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I currently have a rebalance that will take place on 12/15/2015. If I allow the rebalance to move forward, will that potentially prevent me from removing my funds from ADP?
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<bot>: 22 y/o with almost $20k in a 401k. What are some options to consider since my employment has ended?