Non-profit organizations generally have a 403b deferred account not a 401k, althoug the regulations are similar. Our museum's plan was set up through a local financial advisor and the withholding (non-matching) is deposited in mutural funds designated by the employee. The statesmnets come from the financial institution (e.g. vangurad, vankampen, etc.) directly to the employees home, not the museum. I would first ask your HR dept / manager / or director about your concerns before marching into thier office half cocked with guns a blazn'... ========================================================= Important Subscriber Information: The Museum-L FAQ file is located at http://www.finalchapter.com/museum-l-faq/ . You may obtain detailed information about the listserv commands by sending a one line e-mail message to [log in to unmask] . The body of the message should read "help" (without the quotes). If you decide to leave Museum-L, please send a one line e-mail message to [log in to unmask] . The body of the message should read "Signoff Museum-L" (without the quotes).