No one is required to use a TT service. You pay for convenience. We do have a 401K open to all. AA doesnt match any part, although they do offer a set pension. I know thats a let down to the hundred or so pursers at TW that got a small match. To vast majority of the people its nothing new. Except for the fact that we have a greater selection of funds to choose from, over the few TW offered in its plan. Interesting to note, the raise and the purser pay here will net you more than what you made at TW, with the old 401k match.