September 12, 2026 at 10:45 am

He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

by Matthew Gilligan

man stressed out at his desk

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This may sound like the most obvious statement of all time, but I’m gonna say it anyway…

If you mess with someone’s money, there are gonna be problems!

Or, at the very least, a lot of complaints…

The worker who wrote the story below sounded off about his company’s 401k policy, and he doesn’t sound too happy about it.

Read on and take a look at what he had to say.

My employer decided to offer 3% 401k match…

“It’s a small company of <100 employees.

About a year ago, they did an “anonymous” survey about how to make it a better place to work.

A couple months ago, leadership announced they were working 401k matching to bring the company more in line with the benefits offered by their competitors.

This month, I noticed they were contributing about a dollar a paycheck to my 401k. I went and asked my boss. Apparently, they decided to do a 3% “rate” match, as in they contribute 3% of what I contribute.

Yowza…

For every dollar I contribute, my employer contributes 3 cents. I guess that’s 3 cents more than a lot of people get.

But really, leadership thought they could make their employees happy and have competitive benefits for about $1,000 per month.

Not cool!

I don’t know if it’s greed or cluelessness.

How can anyone misunderstand 401k matching that badly?”

Let’s see what readers had to say about this.

This person shared their thoughts.

Screenshot 2026 09 09 at 12.42.31 PM He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

Another individual weighed in.

Screenshot 2026 09 09 at 12.42.39 PM He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

This person spoke up.

Screenshot 2026 09 09 at 12.43.11 PM He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

Another reader didn’t hold back.

Screenshot 2026 09 09 at 12.42.19 PM He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

If you enjoyed this story, check out this post about a customer who can’t seem to come to grips with the fact that her reward points will not cover a purchase.

And this reader shared their thoughts.

Screenshot 2026 09 09 at 12.43.25 PM He Checked His Retirement Account After Five Years—and Realized His Boss Never Deposited a Single Cent

Well, he’s not too happy about this…

And can you really blame him?

Hell no!

This new plan didn’t go over very well…

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