Same job title.
Very different plans.
Every major carrier has a different retirement plan structure — and the optimal strategy isn't the same either. Pick your carrier for guidance built around your specific plan.
Delta Air Lines
Direct Contribution.
View Delta guidance
United Airlines
United's Pilot Retirement Account Plan (PRAP) is built around a large direct company contribution.
View United guidance
American Airlines
American's $uper $aver 401(k) pairs your deferrals with a substantial company contribution.
View American guidance
FedEx Express
FedEx pilots carry one of the more layered packages in the industry — a defined-contribution side and a pension component that have to be planned as one system, not two.
View FedEx guidance
Southwest Airlines
Southwest's defined-contribution structure pairs your deferrals with a company contribution.
View Southwest guidance
UPS Airlines
UPS pilots typically carry both a defined-contribution side and a pension component.
View UPS guidanceTell me your airline. I'll take it from there.
Every plan has levers most pilots never touch. A 15-minute call is enough to find the two or three that matter most for yours.