What is a common benefit offered by employers regarding 401(k) plans?

Employers matching employee contributions is a common benefit offered through 401(k) plans. This means that for every dollar an employee contributes to their retirement savings, the employer will also contribute a certain percentage, effectively enhancing the employee's retirement savings. This match serves as an incentive for employees to participate in the plan and save for the future, creating a sense of partnership between the employer and employee in the strive for financial security upon retirement.

This matching contribution contributes to building a larger retirement fund than what employees might accumulate on their own, which is crucial for long-term financial planning. Moreover, matching contributions often involve certain vesting schedules, encouraging employees to remain with the company for a longer period to fully benefit from these employer contributions.

The other options do not reflect typical features of 401(k) plans. While some plans might encourage employee contributions and have restrictions on withdrawals, those aspects differ from the primary incentives meant to promote savings through matching contributions.