If you're young then starting a 401K is a better way than investing in UPS stock .
Start at a % that you can live without , increasing it at every raise .
The choice of how to invest is yours .
In the Teamster/UPS Plan stay away from The Bright Horizon options , their fees are to high .
Look at every funds fee schedule , they are posted and the idea is to keep your amounts growing .
Either a traditional 401K ( deferred taxes ) or any Roth Plan ( already taxed ) are both good ideas , having both would be ideal .