Originally Posted by bugman61

Right. But if the plan is mandatory, and it takes all of your DPSP cash, then the mega back door roth will not be an option for most people. Today they front load after tax money in January and February to minimize the 16% pretax from the company, and then make that “back” later in the year with DPSP cash. Until the IRS says otherwise this will be like the VEBA and all that DPSP cash will go to the MBCBP instead of your check.