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URL:  http://boards.fool.com/now-that-said-i-just-looked-at-her-paperwork-and-30466661.aspx

Subject:  Re: Exiting 401K..now what? Date:  1/4/2013  3:26 PM
Author:  Hawkwin Number:  71205 of 78166

Now that said, I just looked at her paperwork and see it is a "Safe Harbor" profit sharing account.

Then it really is nothing like a 401k beyond it being tax deferred.

http://en.wikipedia.org/wiki/Profit_sharing

It is likely a private company (non-traded, non-public stock) so if she does contribute her own money (e.g. a combined plan), it goes to buy stock in the company. I assume the 80/20 comment means that 80% of the money she contributes buys stock and the other 20% goes to something more conservative like a bond fund.

If the above is true, then viewing the account online would be rather pointless since the value of the plan would be based solely on the value the auditors assign the private stock - which typically occurs about once a year.

Such plans can be very lucrative but o