Can you explain how 401k employer match vesting schedules work and what the IRS limits are for small businesses this year?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain how 401k employer match vesting schedules work and what the IRS limits are for small businesses this year?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS 2026 401(k) contribution limits elective deferral annual additions compensation limit 2026 Google ↗
IRS 401(k) vesting schedules employer matching contributions 3 year cliff 6 year graded small business Google ↗
- Issue Snapshot - Vesting schedules for matching contributions · irs.gov
- 401(k) plan qualification requirements · irs.gov
- Retirement topics - Vesting · irs.gov
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- 401(k) Plans For Small Businesses · dol.gov
- Publication 560 (2025), Retirement Plans for Small Business · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 401(k) contribution limits elective deferral annual additions compensation limit 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS 401(k) vesting schedules employer matching contributions 3 year cliff 6 year graded small business OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |