he is, but is that the litmus test?
bc for a defined benefit plan, the litmus test i think is if they are eligible
for a 401k, i thought it may be whether they gave any money for forfeited any money
not sure what mean by forfeited - i guess the company offer to put in money on behalf and you decline,
which seemed a little strange to me as i'm only familiar with 401k's where you put in $ and then maybe there is a matching
contribution.