My employer is a University, so we have a 403b plan: Iassume this would also work in a 401K, but you'd haveto check it out. What they do is UP-FRONT contribute the equivalent of 5% of people's salary - this is done automatically. Then, for each 1% the employee contributes (up to 4%), the university matches with 1.25% - so, if you contributed 4% of salary, you end up with 14% in your account. It almost makes up for some of the salary differential between our non-profit world and salaries out there in the real world.
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