I've always been one who thrived on being self reliant. Therefore, I'm thrilled that the company doesn't have a dime of MY retirement funds. It's all MINE! Even the profit sharing is already paid to an account that is MINE and not just a part of a separate account held by the company just to make the balance sheet look better.

Best of all, I have the freedom to tell the company to take a hike whenever I want. If I don't like working there any more, I collect my funds, roll them over to wherever I want, and go about my life without looking back.

Granted, my parents didn't work in unionized pension-reliant positions so I never had the mindset that a company owed me anything other than a paycheck for work performed. Your attitudes may vary.