Bloomberg | Getty ImagesEntrepreneur Media LLC and Yahoo Finance LLC may earn commission or revenue on some products and services through the links below. It puts money in your 401(k) whether you contribute a dime or not. Workers with at least a year of service get a contribution worth 4% of their pay automatically, rising to 9% after 25 years, the Wall Street Journal reports. Then there's the employee stock route. The common thread: companies view generous retirement benefits as a retention tool, not just a perk, especially in industries built on keeping experienced workers around.