Ok, after reading all of the replies everyone sent out (Thanks!) I have pretty much figured out that my employer is definitely breaking the law. My question now is how I should go about rectifying this problem. In TMF Pixy's article, http://www.fool.com/retirement/retireeport/2001/retireeport010723.htm he suggests writing a polite letter to my employer outlining the problems and requesting action on their part. My concern is that by 'rocking the boat' I may be targeted for dismissal. Is there a way of notifying my employer of my concerns anonymously? Should I try to go to the PWBA regional office and notify them anonymously to audit my employer?