Just found out today that for the last six years my employer has not put any money into my pension fund. Nothing. Zip. I am 'missing' almost $20,000 due to their error. You can imagine how I might feel about this, especially since I would have been 100% vested one year ago. Now, well, now I have nothing. No pension fund, no vesting, no tax write-offs, etc. They have the pension enrollment paperwork that I filled out in April of '96 and all this time they never found anything amiss. Wow. This is a huge screw up. I'm no expert on financial matters and I never noticed anything wrong (in fact, I rarely open my paychecks as I have electronic deposit and I verify payment online) but somebody besides me should have noticed something in the past six years. Somebody at work or at the Union office. But nobody noticed a darn thing. Thankfully, I talked to an attorney today and was informed that I can (basically) easily 'get back to where I should be' through legal means if no arrangement can be made. Whew.