What is the typical vesting schedule for a 401k employer match at major tech companies and do I lose everything if I quit early
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the typical vesting schedule for a 401k employer match at major tech companies and do I lose everything if I quit early
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
401(k) employer matching contributions vesting schedules IRS immediate cliff graded 3 year 6 year Department of Labor Google ↗
major technology companies 401k employer match vesting immediate Google Microsoft Amazon Meta plan vesting Google ↗
- 401(k) Savings Plan · usbenefits.microsoft.com
- goog-20260424 · sec.gov
- 401k Match by Company (2026) · levels.fyi
- Microsoft Word · yalelawandpolicy.org
- Issue Snapshot - Vesting schedules for matching contributions · irs.gov
- FAQs about Retirement Plans and ERISA · dol.gov
- Operating a 401(k) plan · irs.gov
- Retirement topics - Vesting · irs.gov
- 401(k) plan qualification requirements · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
401(k) employer matching contributions vesting schedules IRS immediate cliff graded 3 year 6 year Department of Labor OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
major technology companies 401k employer match vesting immediate Google Microsoft Amazon Meta plan vesting OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |