I think I've been spoiled by good 401k and trying to put my offer in perspective.
Offer has 401k match of 50% up to 6%, but vests over 4 years. Is vesting this long common?

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Posting as :
works at
You are currently posting as works at

We get 25% of 6% w/ 4 year vesting. Your match is marginally better

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Except we have a staggered vesting schedule. A certain % vests every year from Deloitte contribution.

Very long

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The offer you’re posting sounds pretty bad if I’m reading it correctly … assuming you put in the max $20.5K, the match is of 50% up to 6%, which is $615 (=20500*0.5*0.06). Then, it vests over 4 years, so that’s $154 or so per year. Am I reading this right?

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Gotcha OP - and fwiw, Google’s plan is then indeed light years better ;) as I put in the max and get Google’s 9-10k a year, no vesting. Straight 50 cents on the dollar each pay period.

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Should add context: in industry that is terrible. Consulting firms have notoriously bad 401k, so within that segment it’s average-ish

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Yeah, 1-2 year vesting is reasonable. 4 years makes me want to assume no match when figuring my counter (and that's coming from someone that's been at current company for 11-12 years).

I’ve seen this happen at Amazon a lot.

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