This is a naive comparison when taken out-of-context. Frankly, I don't really understand how you could be an independent contractor working 5 days a week on a

This is a naive comparison when taken out-of-context. Frankly, I don't really understand how you could be an independent contractor working 5 days a week on a single route contract for FedEx -- when would you have time to service your truck or how would unpaid sick days or vacation work -- but the retirement accounts are all commodities now, especially with the internet -- in fact, my CU offers better HSA than my former employer.