What are the rules regarding immediate versus graded 401k employer match vesting for small businesses trying to retain talent?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the rules regarding immediate versus graded 401k employer match vesting for small businesses trying to retain talent?
3 real searches · 1 real-search pass
IRS 401(k) employer matching contributions vesting schedules 3-year cliff 6-year graded safe harbor QACA 2-year vestingGoogle ↗
OBSERVEDReason
Department of Labor 401k vesting employer matching contributions immediate vesting elective deferrals always 100 percentGoogle ↗
OBSERVEDYes / no
IRS 401(k) safe harbor matching contributions 100% vested QACA 2 years vestingGoogle ↗
OBSERVEDYes / no
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 401(k) employer matching contributions vesting schedules 3-year cliff 6-year graded safe harbor QACA 2-year vesting Google ↗
Department of Labor 401k vesting employer matching contributions immediate vesting elective deferrals always 100 percent Google ↗
IRS 401(k) safe harbor matching contributions 100% vested QACA 2 years vesting Google ↗
Queries
3 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 safe harbor QACA 2-year vesting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Department of Labor 401k vesting employer matching contributions immediate vesting elective deferrals always 100 percent OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
IRS 401(k) safe harbor matching contributions 100% vested QACA 2 years vesting OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |