Originally Posted by todd1200

We weren’t really getting that 5%, it was counted twice but we were obviously only getting it once. We’re gaining 2% and losing nothing (toward retirement), plus we don’t have to put in any of our own money if we don’t want to.

Unfortunately, if I understand correctly, the 5% profit-sharing cliff remains with the AIP, so that 5% just evaporates-it’ll be counted toward profit sharing, but we won’t actually get it (but again, we don’t lose anything compared to current practice). I like the fact that the AIP decouples our retirement from profit-sharing, so they shouldn’t have anything to do with each other going forward (based only on my understanding of the bullet-points)