??? Paid separately?

If you are talking about excess contributions over your 401K max, yes, that is paid separately, but that's not what your original message was about. It was about PTC plus up. That isn't paid separately from the rest of your gross pay. Therefore, your percentages that go into 401K, and then excess to VEBA, are based off of your entire gross pay. There is not a separate portion for PTC plus up pay. Not sure what you are having a concern about?