DB Plan vesting schedules/ Help please

[Guest brownslax]

Please help. I was a participant in a DB Plan. from 2001 to 2003, I was terminated (not laid off). They said the plan has a 5 yr cliff schedule. Is this in compliance?? reason I ask is I kn ow DC plans ( 401k, etc) in 2002 with EGTRRA cannot have a 5yr cliff anymore.

Please help, what should I do? Am i accurate in my EGTRRA assumption with DB Plans?

[david rigby]

The overwhelming majority of plans (pension, profit-sharing, 401k, etc) use a "5-year cliff" vesting schedule: 100% at 5 years of service, 0% prior to that. EGTRRA changed the requirement, prospectively, that matching contributions in a 401(k) plan must reach 100% vesting in no more than 3 years, but that change does not apply to other plans.

[WDIK]

The applicability of the 5-year cliff vesting schedule also assumes that the plan is not top-heavy.

[Guest brownslax]

thank you all.