As a five year FO at "legacy" XJT, I am 100% vested in a 401(k) with a 5% match and a defined contribution (put in by the company with no obligation on my part of 4%.

So even if I only contribute 5%, I have 14% going into the T. Rowe Price account. It's not too bad.

It doesn't get TOO much better with seniority--at year 20 I'd be at 6% defined and 6% match.

As with all things contractual, out retirement is always in danger of being taken away--so it's important to spread accurate info.