Actually, upon second thought. I think it unwise to factor in any kind of return. We should look at company contributions as strait additional income. How that is invested, and what kind of gains or losses you incur is based on personal decisions. Just because that money is being force invested, really doesn't change anything.

So going back to my Xjet vs Horizon comparison, if the Horizon pilot invests the exact same dollar amount every year as the Xjet pilot and receives the same exact return, he will still remain in 1st place on the chart.

For comparative purposes of total compensation - strait cost basis is the way to go I think.

Horizon wins, barely