<prompt> Human: I had a very temporary position with Crayola and they enrolled me in Hallmarks retirement plan, where to the best of my knowledge, they took out a little bit of money from every bi-weekly check. I thought the plan was an option and didnt think much of it, but I was enrolled.After I left Crayola I did receive a few pieces of mail advertising Hallmarks retirement plan and I stupidly ignored them. The other day, though, I received a check from Hallmark with the description Lump Sum, Premature - Hallmark Affiliates Employee Savings Plan.I am 25 and havent exactly been smart about my future financially including the details of retirement savings. The check is for 200 - do I leave it alone and call the retirement plan provider? Do I cash it? I dont know if there would be penalties for doing that, so any help would be greatly appreciated.  <response>: It was probably a 401k plan and this was a disbursement. 