so far...it sounds like nobody's wrong.....but we should compare apple to apples...oops. guess that would be oranges to yellows..or yellows to oranges....aw something like that. Holland has a 401k option. Holland has a stock purchase option for yrcw stock. if you have a 401k through Holland, i know you can have a self directed account that you can purchase securities that prudential sets some limits on and only 50% or your account can be in it. both options can be taken out of your check directly, but the stock option to directly buy YRC stock is only through the stock purchase option. if done through 401k, you have to go to the prudential site and buy it there under the self directed account( which i would never recommend). i agree, however that putting money into the 401k offered is a great backup for the pension many of us will never see. Further more, and with out prejudice, it's my fault, if you like, that Holland, under master freight agreement, has a 401k. i pushed...well maybe threatened....maybe cajoled..or just told corporate.... they had to offer it. even got a call from the president of Holland at the time. we chatted...he agreed...job done.