Ask the PHI Folks. There matching was frozen by the company for up to 6-7 months during CH11. you could add to it but the company wasn't allowed to match your 401k due to the CH 11 Restructuring. FACT. I was there during This time. Oh and wait there in more!!! PHI then said well we will only match 3% now. IF you slaves work hard enough, and work hard enough then at years end if we make goal we will match the other 3%. If not then loss on you. Their goal was to get more productivity out of the employees to work for that incentive. Kinda zhiiiiity