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It's fairly typical, but I'm used to seeing at least a 401K with no match. Most startups I have worked for at this stage started exploring HR Benefits companies and generally the benefits improve slightly.

My advice is not to buy up the stock by taking less cash at that stage. .15% probably won't justify it.

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There's a planned salary increase up to market rate in 8 months from now (if things go well of course). That's also why I am considering more stocks now. If I start with a market rate salary now, I won't be getting any pay increase later.

Ah. In that case, buy them up. I've seen planned increases to market rate go awry, but if you're comfortable that it'll be delivered, it can't hurt to forgo 8 months for another .15%.

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