Real ChatGPT answer · index seed8NEoExx6R1IcompleteFinance and banking · retirement accountscomparison
Does my company have to vest their matching 401k employer contributions immediately, or can they make me wait a few years?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does my company have to vest their matching 401k employer contributions immediately, or can they make me wait a few years?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
IRS 401(k) employer matching contributions vesting schedules 3 year cliff 6 year graded vesting 2026 Google ↗
Department of Labor 401(k) vesting employer matching contributions immediate vesting safe harbor plans Google ↗
- Issue Snapshot - Vesting schedules for matching contributions · irs.gov
- Retirement topics - Vesting · irs.gov
- Operating a 401(k) plan · irs.gov
- 401(k) plan overview · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 401(k) employer matching contributions vesting schedules 3 year cliff 6 year graded vesting 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Department of Labor 401(k) vesting employer matching contributions immediate vesting safe harbor plans OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |