The 401(k) section will be a concession for most pilots. Under current language the company contributes 8% (3% default plus 5% as long as you contribute 9% on your own). New language would have the company contributing a max of 6% (for only the most senior pilots). I currently max out my employee contributions every year so the new language puts less money into my 401(k) because my part can’t get any higher and the company will be contributing less.