<prompt> Human: Im eligible for a 401k at work now have been for 4 and a half years and noone ever told me until yesterday actually and from the way the HR lady explained to me, the way company matching is is they do a non guaranteed 2 match which means the company may or may not match up to 2 they dont know until the end of each year.ive been googling and i cant find anything like that at all, but i might be phrasing it wrong. is this a common thing?  <response>: Yes, I have heard of companies doing this. Also, by paying out at the very end of the year, they dont have to pay into anyone who quit or was terminated during the year. 