re: 401k with 4% Company match?

A 3 match is the level that is a safe harbor, which means a plan doesn't have to undergo discrimination testing. A lot of plans use 3 (or 50 cents on the dollar till 6/3).

I would say a 4 would put you probably in the top quarter of companies. Maybe higher. 5 is really good, and it's rare to see more than 5.