401K Plan

I love that it automatically comes out of my paycheck

With the large number of call centers employees not contributing enough it limits the overall contribution for all.

Very poor. A match to contributions, but a bare minimum...and no general employer profit sharing contribution. All employers I have worked for in the past offered a minimum of 2x what ttec offers

They match up to 4% of employee's contribution

It is ok - pretty standard

It's like every other 401K poor people can't really afford to invest the rich people make money

Auto enrolled at 4% of pay if you dont opt-out and this isnt made clear during hire, training, or setup.

it is through merill lynch, and they take 12% of each check and essentially play the stock market with it, you get a monthly notice that doesn't actually tell you what the value of the 401k is just what money they either gained or lost on the market. There is no opt out feature, you are automatically enrolled and even if you say you don't want it they are going to continue to pull the money out of your check.

It starts over each year not necessarily the companies fault