Who can be excluded from a qualified retirement plan?

Workers with less than three (or even six) years of service. You can't keep your employer's 401 (k) plan contributions in your account until you become part of the plan. In some cases, employees can't keep any of the equivalent 401 (k) plans until they spend a specific number of years on the job, such as three years. A plan cannot exclude an employee because they have reached a specific age.

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