Miso,
You seem to have a much deeper understanding of this subject. Like many I'm finally spending some time to increase my understanding of these issues. I've never met the cap and that hasn't been an issue yet (but hopefully it will be in the future).

I've heard "cash above cap" thrown around as a way around this issue. I'm assuming that means once IRS limits are hit, we would get the rest back (taxed) as pay.

Any thoughts on that type of solution?