pa We have a 401k plan and for instance her is example we made 1200.00 they took 229 in taxes and 358 in our pens leaving us with 618 take home we did not get to pick how much we wanted to take out we really never had a chose on the matter of the fringe. he makes prevailing wage. Alos they say about we are 100% vested. but is this legal do we have to contribute we are in a hard way and need this money. Because they say we make that much we don't bring home that much and we don't quilfy for anything really we make half of our gross income