- 1). Contact the Human Resources department at your job. Ask a representative how you can get in touch with the retirement plan custodian. Most large companies use major investment companies to administer 401k, profit-sharing and defined benefit plans. Some small businesses use local brokers to administer retirement plans.
- 2). Contact the retirement plan custodian. You must answer security questions to identify yourself, such as name, Social Security number and date of birth. Ask the representative if your company allows in-service withdrawals. If the representative confirms these withdrawals are permissible under your company's plan, ask the representative what the stipulations are. Request that the representative send you a copy of the retirement plan terms and conditions via email or regular mail.
- 3). Review the terms and conditions to confirm the accuracy of the information you were provided by phone. Most plans include a seasoning requirement that determines the date on which company contributions to retirement plans are vested. You can only withdraw vested funds when making in-service withdrawals. Contact your HR department to find out the day you joined the company. Most plans require employees to work for at least two years before company contributions become vested.
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