Originally Posted by Buck Rogers

I didn't explain that very well....shorthand for comparing straight line pay rates to increased DC contributions(wasn't very clear)

A straight line pay rate will always get profit sharing.

Bumping up the DC contribution is usually misunderstood by junior guys as the same as straight line pay rates cause the senior guy will hit the 415c limit quicker and then it just rolls over to DC excess so same/same in their mind cause they won't hit the 415c limit and get DC excess. So for them the 2 approaches are the same.

Unfortunately, DC excess doesn't get PS therefore all the DC excess loses 16ish% for the senior guy, all the while the junior guys are smiling


I think this is all correct(to the best of my memory)...if inaccurate it will be pointed out

Clear(er) now?