I am not sure how exactly they go about taking out the money should the employee not stay the 4 years, but I imagine that there is some sort of transfer that is done through the retirement firm we work with. I have been with my current employer well over 4 years, so I am not at risk of having any of my money taken away because I am 100% vested. I have just never heard of this from any other company before so I wanted to see if it was a common thing in the workforce. I feel bad for the people who start retirement accounts with the company and do not end up staying around.