>>pixela+y3
Pensions seem nice to have, but IMHO, it's generally better for employer and employee when compensation is paid immediately. The accounting is simpler, accountability is easier, and there's no long term entanglements.
>>plusse+L6
If the employer goes insolvent your 401k still has money. The whole point of 401k match is to prevent the "fuck you, got mine" when a company goes belly up