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401(a) Plan

“Vesting” means you have a permanent right to your benefit – even if you leave county employment. With the 401(a) plan, you are always 100% vested in your mandatory and rollover contributions and any investment return on this money.

You are 100% vested in the CERF match, as well as any investment return the match earns, after five years of service. If you leave county employment before you have five years of service, you will forfeit all matching contributions along with the corresponding investment returns.