It's an IRA, so there's other ways to contribute money to them. I wouldn't doubt if some companies allow you to directly contribute, but I'm not sure.

In order to get a 4% match though I have to use my companies 401k provider, and I'll do the switcheroo whenever they allow.

If they don't allow it, then I have to decide if giving up what is essentially a 4% raise is worth just buying bitcoin instead.