I'm going to bring my favorite emoji over here: over DHs 401k plan. I am going to do some digging into it next week for a few reasons. I really need to look through the options (for both of us) and the fees so I can figure out the best order for HSA/IRA/401k DH thought he had signed up for the minimum to get the match when he started, 3% to get 3% match. We did increase that last year but someone told him recently that the match is something like 0.25% for every 1% you put in, up to a 3% match from the company... but it doesn't list the match in the online account, so he needs to get the info from HR. I didn't read the paperwork when he started because we were just dating at the time, it will be sad if he's given up free money the last 4 years. The match isn't on his paystub, only his contribution, so I never noticed. DH has also been hearing some stories lately of people's 401k contributions not going into their accounts, going to the wrong accounts, not going towards a 401k loan they took out even though their paystub shows the withdrawal... concerning. And the 401k management company is who caught these issues, not the employees or employer. I've always been good about checking my hours on my paystub because I've always been paid hourly, but I never pull up my 401k account to make sure the contribution matches the paystub so we want to get into the habit of that for both of us And what inspired my emojis... started poking around yesterday and noticed that his company only moves money into his 401k once a month. I've only had two 401ks, and the contribution showed up either on pay day or the next business day, so I'd never seen that. But they didn't move anything into his 401k account in September, they just did all of September and October at the end of October... whyyyyyy. Really all of this just makes me hate his company even more. They just have a bunch of shady crap going on all the time, it seems. The HR guy is incredibly useless.