<prompt> Human: What do I do guys? I took this job and in my orientation with the company they said they match up to 5 of of my contribution. I thought this was a typo and I needed the job so I wasnt about to cause a huge thing. Anyways they said that you got your 401k after a year blah blah blah okay.So I assumed they meant they will match my contributions up to 5 of my salary. They will only match 5 of my contributions! Has anybody ever heard of somebody doing that? To me that is them blatantly doing a bait and switch. If I was contributing a 5,000 they would match 250, that is less than half a percent of my salary! I am also dying to see what the fees are like in this 401k that they are offering, I watched a power point presentation and this guy was saying 5 is great because you are already getting a 5 return on your money... I live in a city where 4-7 401k match is the standard and the company I work for has a HQ in small town Florida where they have a lot less competition for workers. That would be 100 ROI which seems a hell of a lot higher than 5.Is my company assuming nobody has taken a finance 101 class? Could this 401k fund be charging 3 to these poor people? Is this even legal? I guess they dont legally have to contribute to a 401k but they certainly made their benefits packages seem like something that it isnt. WTF do I do? I asked my boss how I was supposed to retire with a 401k like this and she said that it was tax free at least. I wanted to explain that it isnt but she just directed me to the benefits person. I am going to call benefits in the morning and get all the nuts and bolts before I go and yell at my VP in the morning. But PF, WHAT DO I DO? I am totally blindsided and while I know a lot about the market I am only 25 and am new to getting my 401k set up.  <response>: Get ahold of the summary plan description. You are legally entitled to see it when you are a covered member of their plan. It will explicitly lay out exactly what the plan does. It is possible the people youve spoken with so far are just really bad at explaining things. 