Looking for analysis on whether a four hundred one k employer match with a five-year cliff vesting period is still competitive in today's labor market.
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The searches the AI actually ran for this prompt.
SEED QUERY
Looking for analysis on whether a four hundred one k employer match with a five-year cliff vesting period is still competitive in today's labor market.
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
2026 401(k) employer matching contributions maximum vesting schedule three year cliff five year cliff IRS ERISA defined contribution plan Google ↗
2026 employer 401k match prevalence average match vesting schedule cliff graded vesting labor market benefits survey Google ↗
- Issue Snapshot - Vesting schedules for matching contributions · irs.gov
- FAQs about Retirement Plans and ERISA · dol.gov
- Fixing common plan mistakes - Vesting errors in defined contribution plans · irs.gov
- 2026 DC Survey: Plan Benchmarking · plansponsor.com
- 2026 DC Survey: Plan Benchmarking · plansponsor.com
- How Do Plans Use Matching Contributions and Vesting Schedules? · psca.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 401(k) employer matching contributions maximum vesting schedule three year cliff five year cliff IRS ERISA defined contribution plan OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
2026 employer 401k match prevalence average match vesting schedule cliff graded vesting labor market benefits survey OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |