I've been working for the same employer for 19 years. After the first year, they were late with payments of my money, not their matching funds, at least 2 or 3 times a year for a varying number of months. I didn't do anything about it because I didn't want to lose my job. Now I'm moving out of state and I'd like to know what I can do. Most of what they owe has been paid except 2015, of which they've paid only 2 months. I've read that there is a formula for the earnings loss, but this may not be very much since the amount I was putting in was only around $100 per month. I currently live in Florida.