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Seeing as I have no plans to move in that direction any time soon, I'm not particularly concerned with it. Most contractors with hired drivers pay compensation and vacation pay. Most healthcare is covered here, and pensions are expensive.
That said, FedEx also derives it's new contractors from the driver pool, with permission from the employing contractors. If you want a retirement plan, bid on a run and get yourself a truck. That's how it usually goes.
Because owning a truck and leasing it to somebody is soooooooo lucrative.