Regardless of how you feel about this TA, the confusion that some on this forum have created on this 401k is flat out scary. If this is how some of our guys are interpreting a very simple section of our TA one must only wonder if they comprehend the more challenging parts. If you contribute 5% the company puts in 10%, for a total of 15% being put into your 401k. Pretty simple don't you think Barley?