When Does 401K Become Vested? 
The 401 -LRB- k -RRB- is a plan instituted by your employer . The documents describing the plan are available from the employer . If the employer is contributing to the plan that portion is normally subject to a vesting schedule . There are prescribed ways of implementing the vesting schedule but the employer is the one that selects the schedule used in your company . The vesting schedule shows you the relationship between years in the plan and the percentage of the employers contributions that are available to you . The schedule calls for 100 % vesting at some point . 