BG and Essbee, of course if you only contribute 3% into your 401A, then their match would seem big. For a typical RN ($70k/yr), you’re talking about $2100/year. No wonder savings rate is so horrible. If you actually max out your 401A + 403B, then it would be 81% employee and 19% Scripps. So, yes, you’re right, if you’re a low achieving saver, then the company contribute a HUGE amount. But if you are actually a rabid saver, then it’s not that big. Also, that only for you if you work there 20+ years. For the first 9 years, you only get 1/2 of that. For those who work their the first 9 years, it’s 90.5% employee and 9.5% Scripps (if you’re actually a saver).