I think how you can benefit depends on how the company will match you. You only benefit from the match. The major part is your own salary.

For example, if you put 10% of your salary into 401K plan, then your company match 3%, then you will have 13% of your salary in the 401K. If you company does not match, then you will only have 10%.

So whether, and how much, do your company match is the REALY BIG deal. Another point is the 401K return rato.

Let me use an example so you can compare get the feeling of it.

For example, if your monthly salary is 5000$ (before tax, etc), and you have 35 years to retire. And assume your return is 8% per year.

If you put 10% of your salary to 401K, and the company does not match at all. Then you will have about 1.14$ Million at retirement.

If you put 10% of your salary to 401K, and the company match 3%. Then you will have about 1.49$ Million at retirement.

Another point, the money is "addable" here: (a 13% 401K) = (a 10% 401K) + (a 3% 401K), since there is no tax issue during the process.

In that way, if you want to get 1.49M, you have to put more on your own if your company does not have the match. (so you put 13% yourself will get that result).

As far as I know, company match usually comes with between 0% to 6%. (Did anyone know a company match 6% these days?)

So for a fair request, if it is me, I probabillty will try to ask the company to pay me more based on the above precentage, for example 4%, depending on the location and industrial (try to ask your friends around for the exact number). Then I will do my own 401K elsewhere.

For those company who does not have 401K, I think you can get your own 401K yourself from those outside brokers. I don't have any experience about this though.

Did I make it correctly?

只有5天假期啊~真少~！！！

不但没有401，医疗还要自己出25%，有DENTAL没有？LIFE呢？

比我老板还抠~劝MM再找找别的公司吧~

oh~ btw, we are small private company too.

i have full medical/ dental/ life paid by my boss.

401k company match 50% up to 2%

10 day pto

5 sick day

and bonus vacation days from christmas day thru new year day.

以下是引用iccc在2006-10-18 16:29:00的发言：

以下是引用Issis在2006-10-18 15:31:00的发言：

只有5天假期啊~真少~！！！

不但没有401，医疗还要自己出25%，有DENTAL没有？LIFE呢？

比我老板还抠~劝MM再找找别的公司吧~

5天额外的假期，干满你一年还有10天假期，有dental,但是没哟life.

这是我第一个offer，fresh graduate,帮我办h1,费用share一半，给的工资基本是平均值把，

但是福利实在太差。所以我想在让他们加5%-10%。

不过如果不加的话，估计我也差不多认乐，先干着再找别的。

大家觉得怎么让，如果多给5%工资的话。

能多给5%工资就上吧~

毕竟先挣经验，以后换工作说年薪还高些，因为换工作福利就不沾边了~要钱还是只看现有的年薪

以下是引用iccc在2006-10-18 16:46:00的发言：

太爽了乐，一年15天的假期，半个月不用上班啊。

mm再问你，sick day是不是要真的病了才能修啊，我的意思是可不可以当事假用啊，

我们有8天的病假，要是没病的话，偷偷一个月假病一会行不行啊？

病假想休就休，反正不用假条也不用医生证明。女生更好办~老板根本不好意思问你怎么了~嘿嘿嘿~

看你公司的规定了，

有很多公司是刚来的员工没有，工作过一年才有，这个你最好问清楚

公司是压根儿就没有401k，还是你现在还不eligible

以下是引用iccc在2006-10-18 16:46:00的发言：

太爽了乐，一年15天的假期，半个月不用上班啊。

mm再问你，sick day是不是要真的病了才能修啊，我的意思是可不可以当事假用啊，

我们有8天的病假，要是没病的话，偷偷一个月假病一会行不行啊？

有的公司这个sick day, vacation days分的不很清楚，一概叫PTO days了，所以这样的话你即使病了也就算做是PTO days了。如果你病了或请很长时间的假(more than 6 weeks?)，有的公司的short-term disability program就会kick in了。