For you guys approaching retirement, the idea of deferring compensation 1-5 years (mentioned in the survey) might have some merit.

If you’re suggesting we cap Delta’s 16% at the 415c limit and then apply DPSP CASH towards some other plan (ie pension or annuity), I’m not in favor. That takes money that would be in your name and converts it into a promise that is no longer under your control. It would also effectively remove the “mega Backdoor Roth” strategy as a viable option.