If you are gradually vested in a retirement plan over a 6-year period,the plan is a:

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A graded plan is one where the vesting occurs gradually over a period of time, typically a few years. In this case, the vesting occurs over a 6-year period, making it a graded plan. A cliff plan would only have vesting occur after a certain period of time (e.g. 5 years), while a contributory plan refers to a retirement plan where the employee contributes to the plan. Self-directed and maximum vesting plans are not relevant to the vesting schedule.

If You Are Gradually Vested in a Retirement Plan Over