If you work for Prisma Health - Upstate, you likely have two retirement accounts — and most employees only think about one. Your paycheck contributions go into a 403(b). Separately, Prisma puts 3% of your pay into a 401(a) plan in your name. That money isn't fully yours until you've been there three years, and a lot of people leave before they get there. Here's how the plan works and what to check before you give notice.