Vesting

You are always 100% vested in both your own contributions to the plan and Safe Harbor Matching Contributions made by XPO.

Other employer contributions are generally 100% vested after five or six years of service, depending on your business unit and the applicable plan provisions in effect when the contributions were made. Certain legacy employer contributions made prior to 2018 may be subject to a separate vesting schedule. Please refer to the Summary Plan Description for details.