my employer stopped their 401k match on 12-31-08. they told me i can't withdrawl my 401k unless i quit or my employment is terminated. currently i still put 100 bucks a month into my 401k. by law can they do this? i have gone through all my paperwork and i have no contract with their 401k people.i have been a allstate insurance customer for 17 years. i want my 401k switched over to allstate financial. will i pay a penelty to withdrawl and switch? i have had the same isurance agent also for 17 years. allstate has been very good to me. i have renters,and auto insurance at allstate.