http://money.cnn.com/retirement/guide/401k_basics.moneymag/index9.htm?iid=EL, Here is a link with answer's about 401-K plans and company matching plans , and I know some of you Drivers will think it's stupid & dumb ,but just think of what you would have if all the money foolishly put into CSPF would have been put into a matching 401-k in ONLY your name that is just yours , after 30 years ?? These union multi-employer pension funds just don't work period and was a poor plan by under educated union leaders years ago . The only future plan that will work for union & yrc is to switch to a company match 401-K plan . and if any of you Driver's have a better idea or plan PLEASE post it . Thank You