what does a fully funded account mean?
When a retirement plan is fully funded, it's the result either of money you've contributed or of cash deposited by your employer. A fully funded retirement plan is one in which the participants -- either the plan member or plan sponsor -- are maximizing the available resources to adequately prepare for your retirement. Once you or your employer have done your part to get the plan well-funded, it's up to the investments in which the money is directed to keep the funding status strong.