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Retirement Plan Employer Match Missing Letter

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Raise a missing employer match in your retirement plan, with pay records, plan rules and a request to correct and backdate it.

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Write a letter to HR about a missing or incorrect employer match in a workplace retirement plan. Inputs I will provide: employer and plan administrator [EMPLOYER_AND_ADMIN], period [PERIOD], my contributions [MY_CONTRIBUTIONS], match promised in the summary [MATCH_PROMISED], match shown [MATCH_SHOWN], what I ask [DESIRED_REMEDY].

The letter should show contributions and match in a table, quote the plan summary on match, and ask for correction. It should not give investment advice. Build a table by pay period of my contribution, the match I expected from the plan summary, and the match shown on the statement, then total the gap. Quote the match formula and any waiting period. Ask HR and the administrator to reconcile and credit missed contributions, with any earnings the plan's own rules provide for, and to confirm in writing. Do not discuss investment choices.

Facts and papers worth gathering: Plan summary, statements, payslips. Reasonable asks: Correction and a statement. A typical reply: Employers may cite eligibility dates; reply by asking for the rule.

Start by making an evidence index for the retirement plan employer match missing letter (exhibit number, description, date, what it proves), name what I still lack, and then write the letter and refer to the exhibits. Provide the finished letter with a short cover note, around 50 words, then an escalation ladder if I am ignored (ask HR, then administrator, then regulator), and a list of exhibits (plan summary, statements, payslips). Send the letter with a clear subject line and the PDF attached, and save the thread and any automatic reply and ask for a reply confirming receipt.

Draft it in my own voice as a private individual, with no invented titles. Keep it firm, factual and polite, threatening nothing beyond lawful steps, set no cut-off other than [DEADLINE], and say where an outcome is uncertain. Quote no statute or time limit from memory; work from [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] only as I give them, and add a line telling me to confirm the rules with a professional or consumer agency. None of this is legal advice.

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Dear HR,
The plan summary says the company matches 100 percent of my contributions up to 4 percent of salary. My salary is 52,000, so the maximum match is 2,080 a year, or 173.33 a month. My contributions have been 4 percent since January, but my statements for February to May show a match of 86.66 a month, which is 50 percent.
Could you check the payroll and plan administrator records and let me know whether the match was set wrongly? If so, please credit the missed amounts of 346.64 and confirm the correction in writing. I attach the statements and the summary page.

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