Graded vesting schedule

Under a graded vesting schedule, ownership of employer contributions is based on their length of employment. According to the U.S. Department of Labor, a six-year graded vesting period, as seen below, is a common graded vesting schedule:Year 1: 0%Year 2: 20%Year 3: 40%Year 4: 60%Year 5: 80%Year 6: 100%Note: Plan participants can check their vesting schedule in their summary plan description.See also: Cliff vesting schedule