[SouthParkRepublican]

The other posters are correct. It's a matter of compliance with the vesting period (although one would imagine 14 years would be more than enough). Some 401k plans have little caveats like holding periods after leaving an employer but I have never heard of 2 full years.

As far as worrying about the funds and the possibility of the employer shutting it's doors, if all is on the up and up, the employer contribution has already been paid into the account of the plan administrator and is segregated. Do you know who the plan administrator is (ie. Fidelity, TransAmerica). If so, they most likely have a web site that you can log on to and will most likely get a much better idea of what you can do from the resources there.

[yldstrk]

each financial plan has its own stupid rules, you have to contact the Plan Administrator