If what you describe is accurate, I agree with you. It's just that what you describe sounds different than what most companies do. My employer has a three yea

If what you describe is accurate, I agree with you. It's just that what you describe sounds different than what most companies do. My employer has a three year vesting period too but they begin contributing on day 1. Until you reach your 3 year anniversary, the only part of your account that you're entitled to is the part that came from your contribution.