Strongly consider putting at least 5% of your pay into the plan.  This will give you the maximum match ("pay raise") that DBA will offer.  You would contribute $1000/year, but your paycheck would only go down about $800/year.  DBA would add another $1000/year.

    The 401(k) account is your money.  It does not belong to the kids, it does not belong to the house, car, doctors, etc. -- it only belongs to you.  The investment is for your retirement.  Pay yourself!

    After 30 years, your account would have about $450,000.

Curve assumes an average 4% pay raise.
It does not take inflation into account.