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Your employer may use a schedule in which employees are 100 percent vested in employer contributions after 3 years of service (cliff vesting). Under graduated vesting, an employee must be at least 20 percent vested after 2 years, 40 percent after 3 years, 60 percent after 4 years, 80 percent after 5 years, and 100 percent after 6 years. If your automatic enrollment 401(k) plan requires employer contributions, you vest in those contributions after 2 years.
About three in four government workers were age 35 and over, compared with about three in five private wage and salary workers. Federal employees had a higher median tenure (8.5 years) than state (7.4 years) or local government (7.9 years) employees.