Originally Posted by spaaks

your math is correct. Can someone else confirm that this is the correct way it is calculated?



sounds like your question is similar to above, if you max out your 401k, are you getting the maximum company money (16%) you are contractually entitled to? I think the answer is- if you make less than $231,250 the full 16% goes to your B fund. So even if you had an RHA there would be no company spillage because all 16% would already be in the B fund, so don't worry about it until you make $231,250. Can someone else confirm this?

Does anyone who makes less than $231,250,(5 years is?) have an RHA or contribute to it? would you suggest doing that? why?