I still have my 401-k vested with my former employer who laid me off in June, 2009. In August, my 401-k took a big hit when the DJI declined modestly. Thought it was curious but didn't dig deep into it. Now, I'm looking to roll it over to my new employer. Today I see the statement a line that $5,200 was "forfeited" in August. Help Desk explained that the former employer retracted 80% of its contributions because I wasn't employed there five years, and would have retracted at any attempt to rollover anytime, anyhow. Didn't know a former employer could do that.