The Delta CBP (MBCBP) had a 1 time opt out period in July of 23. Plan started October of 23. All new hires since inception of the plan are in the plan. Optionally currently does NOT exist. You are in or you were eligible to go out. We do not utilize a RHA. The company DC money hits the 401k first and once hitting 415c or 401a17 the “spill” goes to the MBCBP. For 2025 the company can contribute $59.5k (17% x $350k) and it’s up to the pilot to utilize the 402g contribution limit and/or 401A (after tax contribution) to get more dollars in. The 414 limits (catch up contributions) are still separate than any company contributions. Our 60/40 (equity/fixed income) allocation is up double digits so far this year on performance. We do allow in-service withdrawals once a year to those 59.5YO+ so those pilots can take the money and roll it into a qualified account (IRA or back into the 401K) and invest it themselves. Not getting involved in the UA stuff, but that’s the Delta plan for those asking.