Correct me if I'm wrong, but I thought only the company contribution could overflow into the RHA. Once a pilot reaches his individual max he can continue to push funds POST tax into the combined bucket. Once that bucket is full, only company money can flow into the RHA.

Said another way, a pilot maxing out early and then putting post-tax dollars into the combined bucket forces company money to flow into the RHA sooner in the year. Sorry if this ****es any RJ drivers off.