It's pretty much impossible for a company to "raid" a legal 401k plan. The money goes into your account and only the owner (employee) can make withdraws, its like saying a company can raid your checking account because you have a direct deposit set up.
Where a company can screw the employee is if they are not depositing the money into their 401k accounts after withholding it from their checks. That game can only go on for so long. Federal law requires that the deposits are made as soon as the amount can be accurately computed and reported - usually 10-15 days after month end. Any longer than that and a complaining employee could easily trigger an IRS audit and the people violating that law will quickly find themselves sharing a cell with Chester the Molester.
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Today's Featured Article - Talk of the Town: How to Crank Start a Tractor - by Staff. This interestin discussion is from the Tractor Talk Discussion Forum. Remember that safety is your first priority - make sure you know what you are doing before attempting a potentially dangerous activity!
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