The PRAP — or Pilot Retirement Account Plan — is United Airlines’ primary 401(k) retirement savings vehicle, administered through Charles Schwab. United contributes 18% of eligible compensation in 2026, up to the IRS compensation limit of $360,000, with total combined contributions potentially reaching up to $80,000 annually for pilots ages 60 through 63 who use the SECURE 2.0 super catch-up provision. Pilots may choose from pretax, Roth, and after-tax contribution options and may access a broader range of investments through the PCRA brokerage window within the plan.