As my 14yo daughter says: "these are 1st world problems Daddio".

I hit the 265K limit last month, because I was only putting 1% in 401k and 2% in catch-up... Knew about the 53k, 18k, and 6k limits but not the 265k limit... thought Delta was going to fill me up to the 53k limit.

Luckily, I noticed the 401k contributions stopped and was able to change my contributions to 14% for the remainder of the year... which will be a wash when one figures in the 15% cash contribution by Delta.

Could they make this stuff any more convoluted?

Maybe I missed it, but it would be nice if DALPA put something out at the end of each year to help us non-finance guys set this up.