I have a new desire for my future ps. It is of it's highest value ever right now. I would like to trade it in this contract. Something that we get that isn't shared with the rest of the company. 401k. All employees are different. I will trade up ps for the company putting in the 415max on Jan 1 of every year. profit or no profit.....every year. two fold, yes our 18k will get taxed but pay in my pocket every year none the less, also the money in Jan 1 gaining all year instead of laddered out. Just a thought.