My recommendation would be to contact the HR department for specifics on any retirement plan details. I would also recommend that if at all possible to keep money in a tax deferred vehicle, so you do not incur a penalty for withdrawl. If you are under the age of 59.5 and you take money out of a retirement plan for anything other then a qualified distribution, you will incur a 10% tax penalty in addition to the amount being taxed at ordinary income rates.