You're joking, right? Max for 401k is $15k/yr now. First year FO's at the regionals are making $18k-$25k/yr. Maximum by law is 50% pretax and 10% post tax. No way can they max it out on first year pay, unless they earn above average pay and live at home or via another person who pays their bills. Most places there isn't an employer match for 1 year, but even then employer contributions don't count against the $15k/yr.

I would like to see a shorter vesting time as well. Our plan is actually pretty good - after 1 year, 3% employer contribution regardless of employee contribution and up to a 4% employer match with an 8% employee contribution (so 7% employer match basically). The best part is it's dollar for dollar, none of this "50% of the first X%" that you get at most places. But even so, there is a 6 year vesting period. Yuck.