"If you are a typical 401(k) participant, and you do choose to participate, your employer contribution to the plan will average about 3% to 4% of pay per year.... Now imagine instead you go to work for an ESOP company.... You will be slightly more likely to be offered a secondary retirement plan, usually a 401(k) plan, than employees in non-ESOP companies will be offered any kind of plan.... You will almost always not need to contribute anything to get a company contribution... The company contribution will average about twice what the average company contributed to a 401(k) plan."