I(25M) have been job hopping ever since high school. Usually not staying with an employer for more than a year. I have had a few employers start 401k's for me once my 90 day trial period was over. I was never asked if I wanted one started or how much I wanted to put in each check. Once I noticed a drop in my paychecks, I would ask my bosses if I could cancel it and not put anymore in. They would just shrug me off by saying, they didn't know what to do, or corporate handles that. Once I'd leave my job, I would get a letter saying my 401k has been withdrawn and taxed and the remainder is sent by check. I never ask for a 401k or ask for it to be withdrawn. Do all companies do this? Do the companies have the authority to create, close, and deposit into my 401k that they started?