@duke7779 Are you sure you're not just hearing this incorrectly? Pension matching up to 10% of salary usually means they put in the same as you, up to 10% (meaning you can get 20% contribution at a cost of 10). Various chickenshit versions match up to 5%, meaning that they can claim "we match your pension contributions up to 10%". Matching at 10% of your contributions probably costs them more to administer than support.