Loads are almost always waived in tax-deferred plans.. You can forget about Fidelity, it ain't gonna happen. Do not remove the money and pay a penalty.
“Those who cannot remember the past are condemned to repeat it." (George Santayana)
I've got news for Mr. Santayana: we're doomed to repeat the past no matter what. That's what it is to be alive.”
― Kurt Vonnegut