I'm going to give you my honest answer.....if I was just starting out and wasn't in the pension fund they would be close to equal....if that were the case I could go to either carrier.....it would come down to who was closer and which one was offering better hours and such....but the actual case is I've been a Teamster for 15 years (and I was an IBEW member for 14) so I wouldn't throw that away now...I'm going to add to my pension till I retire...that doesn't mean I have given up on the union or anything, but it has gotten to the point that I don't blame young guys for not wanting to join... and now I'm going to ask you a question...since you think union compensation is better why aren't you here?.... since you have said you have time in a fund....