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How does a four percent 401k match compare to a pension when planning for retirement with two kids in college?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does a four percent 401k match compare to a pension when planning for retirement with two kids in college?
2 real searches · 1 real-search pass
U.S. Department of Labor defined benefit pension plan lifetime monthly benefit versus 401(k) defined contribution plan employer match explanationGoogle ↗
OBSERVEDComparison
IRS 401(k) employer matching contributions retirement plan basicsGoogle ↗
OBSERVEDInstruction

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparison50%ConsequenceReasonDefinitionInstruction50%Yes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
U.S. Department of Labor defined benefit pension plan lifetime monthly benefit versus 401(k) defined contribution plan employer match explanation Google ↗
IRS 401(k) employer matching contributions retirement plan basics Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
U.S. Department of Labor defined benefit pension plan lifetime monthly benefit versus 401(k) defined contribution plan employer match explanation
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
IRS 401(k) employer matching contributions retirement plan basics
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1