<prompt> Human: I was hired two years ago at a non profit. In my employee welcome offer letter it states After two 2 years of employment, employees are vested in the company name retirement plan.Additionally, in our employee handbook, it states: company name has established a Retirement Savings Plan to help supplement your retirement income which is 100 employee contribution. A detailed description of the plans provisions is available upon request from our designated Human Resources Representative.After a recent conversation with our HR department, I was told that was in fact no available retirement plan. I got confirmation in writing when I asked via email: me: I just wanted to confirm that company name does not currently has a retirement plan that I am able to participate in. reply: That is correct.--edit: I meant offer letter not welcome letterSo I feel really deceived by my company. I know that I probably should have done some research a long time ago - but I am new to the whole notion of a retirement plan and was young and stupid. Do I have any legal recourse at all, or do I just accept that I got screwed and go set up a traditional IRA instead? Are there any strategies I should use for calling out my company on this? I would like to keep my job. Thanks-  <response>: You know your companys EIN because they include it on your W21099. Use that number to look up plans online: Plan filings are public information and are required to be available to the public no later than 45 days after the company files them. Filings with the department of labor include defined benefit traditional pension as well as defined contribution 401k, 403b and similar. If a company is self insuring for health and dental, there are filings for those plans as well. 403b are generally used for non-profits but are very much like 401k plans. Non-profits were required to file 5500s starting with the 2009 plan year previously they had been exempt. I strongly recommend that you learn to check out your companys plans especially if you have a 401k403b because plan fees and charges are generally poorly documented. Many companies dont know how badly theyre getting taken for a ride, so it isnt like theyre deliberately screwing you in the pooper. Maybe they do for other things, but this stuff is deliberately made complicated by the companies that run the funds and hold the money, and it is pretty hard to get accurate facts out of them. has established a Retirement Savings Plan to help supplement your retirement income which is 100 employee contribution. Sounds like a 401k, but could be a money purchase program. There are acutally a lot of obscure sections of the Internal Revenue Code. Depending on the folks running the company, there might be 401a or 457 plans. Some plans are not open to little people non-executives and those plans are generally called top hat plans and if theyre smart they set them up as rabbi trusts. me: I just wanted to confirm that company name does not currently has a retirement plan that I am able to participate in. reply: That is correct. A much better question would have been my employment offer letter states it takes 2 years to vest in a retirement savings plan. Could you please send me a copy of the plan document? Disclaimer: I work in this industry. 