re: 401k with 4% Company match?

Depends on industry and size (and what comparisons you have in market). Overall, 4% free money pretty good. Did not know the "safe harbor" thing above.

However, in O&G, it seems a bit higher. I can get up to 10% at 10 year service, former employer was 7%, and I know another matches 10% from beginning (in addition to pensions).

So compare against your competitors, not general public. Would a 4% match be better at a reduction of 5% of your salary than no match but higher salary?

I think the match encourages you to save. If you WILL do that anyway, it's just part of total compensation.