XJ does have a better 401K. We do have the brokerage link option which allows you to buy any stock/etf/mutual fund with the exception of PNCL. We are not Safe Harbor but it is a goal. Currently you cannot max out the 401K without a check back the following January due to the Highly Compensated Employee language.

In terms of benes- 9E has the insurance, XJ has the 401K.