If you feel the company is puting your money in bad default stocks, why not pick your own?? Have you done any research on this?? What are the funds available to you?? What are their (funds) names & ticker symbols?? Lots of questions here.

Most fund plans even if they are not so good, have at least one saving grace. I had a bad 401k plan with mostly poor performing funds, and high expenses. My plan's one saving grace was a S&P500 index, which I put all my money into.

By the way a 50% match on the 1st 4% isn't too bad. Where else can you get a 50% return on your money. My last employer contributed nothing to my 401k.

By "distribution" you apparently mean asset allocation. With 401(k) plans, you are limited to the investment options allowed by the plan. Some are better than others, and some allow self-directed brokerage accounts in which you can invest in virtually everything. So the first question is: what does your plan provide for investment options?

They match something at least ! You make 4% more than someone who doesn't get into the plan!
Now that you "feel" better, let's get you into the best funds from your list.
IF you can get into Fidelity Diversified International JUMP IN... if your young go 50% in there for awhile ( It's one of the best "internationals" around.
Also that Ariel fund does very well some years... and averages pretty decent.
... and Disney stock is NOT a bad place for about 10 or 15% of your money.
Good luck.