Ouch!
Changes are happening in my company beginning 1 January 2017 too. Over 5 years ago they dumped the pension plan for new employees and changed the 401k rules for new employees. The 2017 changes at my company have not been well communicated, so I guess I will learn more in 2017.
Still, I feel I am very fortunate to have my job and working toward retirement.
Steem on,
Mike