12 Retirement Benefits The key to saving for retirement is to start early and stay committed. Making the choice to invest in yourself by contributing to your employer sponsored retirement plan is a decision that may have a big impact on your ability to retire confidently. Contribution Type 401(k) Employer Match 100% up to the first 3% you contribute and 50% of the next 2% you contribute. You are 100% vested from your date of enrollment. Empower Highlights 401(k) Summary