Is my entire 401(k) account subject to vesting?

  1. You are always 100% vested in your 401(k) deferrals.
  2. You are always 100% vested in non-discretionary, employer Safe Harbor contributions
  3. Terms of your company’s plan dictate if other “sources” of contributions, e.g., regular matches, profit sharing, etc., are subject to a vesting schedule.