It has nothing to do with their algorithms, you choose your investments when you sign up for your 401k. That being said we’re heading into a major recession, there’s not many things you’ll make money on right now. Just hunker down and pray for the best

Not financial advice, but general advice. Retirement plans are long term investments so don't worry too much about short term results - even resist the urge to check your account. Contribute what you're comfortable with, but since the company match is 5%, if you can do 5% then that's more "free" money for you.

All in all, the market will always have ups and downs but with retirement planning, just stay the course.

Yes, you may have lost some money rn (well probably not any of yours since the match your contributions, so just think of it as losing some free money they have you) but over the years that the 401k just sits, there will be so many ups and downs that this recession more than likely won't matter. The best thing to do, since you should pull that money out until you retire anyways, is to just let the money come from your account, let Starbucks match it, and completely forget about it. It's hard at first, but just don't look at it for a few months, or even years honestly. And you can do what you want, but the best bang for your buck is to contribute the max amount Starbucks will match (5% I think?)