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Maybe don't buy QQQ in your 401k then if you're concerned about nasdaq100 inclusion

Tell that to everyones 50 year old mother who doesnt even know how to login to their account, let alone modify their allocations.

50 isn’t old? I would expect a 50 year old mother to be competent.

I learned computers and investing from my mother. She’s pretty competent approaching 80.

It's like the very first golden rule, do not expect competency from another human being.

I mean, idk what's in your 401k fund choices, but in all mine I'd have to take serious manual effort to get in to QQQ or equivalent