I've found the problem with working for United is... unless you really bust your arse, you'll prolly just barely break 300K as a Guppy Cap. And your profit sharing is likely to come in at less than 30K. Sucks. But the kicker is that 16% direct company contribution to your 401K, which, combined with your personal contribution, always spills over into your Health Savings Account. This gives you a big phat tax free balance to pay your health care in retirement. Sucks.