I mean a bump and flush bid should be part of the negotiations. The company does not care. They see this as we all see this. It will instill much more "I'm getting mine" then they've ever seen. Now instead of being guaranteed a 50% of high 5 whenever you get those 5, everyone will have to max up every month. IF you don't maximize then you will loose retirement money as your percentage of the total will be less. So your buddy will be taking some of your retirement money.

The 2% floor is not the minimum an individual pilot can return, it's the minimum return rate for the whole bucket (fund). Since every pilot will only be getting "their percentage" of the total, if you work less than the average pilot you will receive less than average. So if the average pilot works more and you only work BLG you will be receiving less pancakes than what you had projected in your forecasting model. It won't matter if you return 2% if your pancake is only 85% of a average share. You already lost 15% and you will not make that up.