Originally Posted by FlyGuy2002

Not quite accurate. Using you numbers 9% match with 3% DC.
You would get 3% on the Entire $250,000. Not just the "remaining "50,000"
$250,000 x .03 = $7500. Spirit would match your $18,000 And an additional $7500 in DC. Add your 18k contribution and That's a healthy $43,500 a year.

16% DC would obviously be cleaner and easier to calculate, but a hybrid can work. For me anyway at least. No matter what it is I will be maxing out my $18,000 no matter what spirit puts in. I wanna lower my taxable income by 18k every single year. Period. I'm single without kids and without a bunch of toys...so having said that I don't mind the hybrid... Simply because I'm gonna max out my contribution as long as the irs will let me.