The statements should have clearly stated how much of the employer's contributions were vested. If it didn't say so, then I think it is reasonable to assume they should be fully vested.
Is this an SEP-IRA or a 401k? As Tramway guy said, if it's an IRA, then the employer's contributions must be 100 percent vested from day 1. The IRS is very unambiguous about this, see the link below.
Did the employer roll an old retirement plan into a 401k? In other words, were their contributions actually from the old plan? If so, I'd say it's time to talk to a lawyer.
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Today's Featured Article - What Price Enthusiasm? - by Anthony West. Quite frankly, for some time now restorers like myself have become more and more concerned about the rapid increase in the prices of old farm machines here in England. There is now a growing market for "As found" machines. Which as machines get rarer, has found the birth of a new industry....one of the "procurement agent". These agents appropriate as much old machinery as possible then inflate prices at auctions. So at what price enthiusiasm? We are now seeing poor machines which 3 years ago ma
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