welcome 82... seems like only you and MaineGroundDriver are the few who are treated decently by contractors
i've known some runner/gunners making close to $1,000 per week because they can do the workload of 150-200 stops per day in a big service area... i've ridden with one that can spit out packages from their package car at 25-30 SPORH

sure, it's mostly a drop-n-run procedure over at HD & i'm seeing some people treat it like a paper route.
but like MrFX, i'm strictly by the book now & the contractor understands that i'm not a runner/gunner anymore because i want to come home to my kids without a sprained back/shoulder/knee, etc.
some HD workers are in service almost 2x the hours than a FT Express courier & isn't really compensated for it with OT pay, but it is what it is
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each contractor has their own sources of 401K & insurance... some will band together and get a group discount rate (but ask bbsam or STFXG for that info).
since my wife has better pay/benny package than I do, i only opt for the 401K (10% w/ contractor matching 1/2 of that) ~ it's not going to amount to anything so i'm doubting that decision.