Yes, the a plan is great to look forward to depending on what year you were born, there's more or less to be excited about. If you were born before or after a certain year (you can tell I was born after because I don't know what it was) you will get 40,000 less a year than the rest unless the company agrees to more in negotiations. This as the managers or team (of we have one) sit across the table from managers that have had theirs frozen.