Pension plans have captured my attention, primarily due to the considerable variation in how different organizations structure them. For instance, I was previously familiar with 401(k) plans typically offered through employers. Yet, I discovered that not all employers provide pension options. In fact, smaller businesses like restaurants often do not include pension or retirement benefits in their employment packages. However, it's crucial to note that this doesn't hold true across the board; options like contributing to a 401(k) are available, with the key distinction being the level of employer matching