401K -- Diff between Vested Balance and Actual Balance (funds, account, withdraw)

[TexasDillo]

I have one specific 401K in which I am not fully vested. There is a sizable difference between the Vested Balance and the account's actual balance. For example: $80,000 fully vested but the 401K account has a balance of $100,000.

Question One: If I were eligible to start making withdrawals today, what happens to this $20,000?

Question Two: If I were to roll this 401K into another of my 401K account, is only the vested balance is transferred? And, if I roll the funds, what happens to the $20,000?

Thanks!

[Lowexpectations]

If you terminate from service the balance that isn't vested is gone, you can't take or take out the non-vested portion


What happens to the 20k the company keeps it

[ctwhitechin]

Correct, the financial company that handles your employers 401k will know to returnthe non vested balance back to your ex employer. The $ you put in you are always 100% vested.

[back2MD]

Bump