I recently noticed that my company changed its 401k matching policy from a 5% match per paycheck (7% after three years) to a once-a-year lump sum match. This new policy states that I will only receive the match if I remain employed for the entire year, and if I get laid off for any reason, including a reduction in force, I won't receive the match at all. I'm feeling quite concerned about this change. At 28 years old and having been with the company for less than two years, I appreciate having a stable job, and I genuinely like my role. However, this shift in benefits makes me wonder what the company might be planning. Is this a precaution due to economic uncertainty, or is it a sign that layoffs could be on the horizon? I’ve seen comments suggesting that this is a classic move to save money, and that many employees may leave or be let go before the year ends, which would mean the company saves on the match. It’s also concerning that I could lose out on compounded interest since the match is now delayed until the end of the year. Given these factors, I think it might be wise to start looking for new opportunities. The wording in the policy about layoffs feels like a red flag, and I want to be prepared for any potential changes.