Excerpt: Put in a 401(k) plan. ... The company's contribution generally was structured to be a match based on whatever the employee put in. They might say, 'You put in a dollar, we'll put in 50 cents.' Well, suddenly the company had a great deal to gain if not 100 percent of the people joined the 401(k) plan. They probably were only putting in 2 or 3 percent of payroll because not everybody was in the plan. ...