the cap issues are contractual for the most part right and not from the irs?

If we get a 15% B fund on 285k of pensionable earnings for 2020, that is 42k into each b fund from the company leaving only 15k to put in ourselves to reach the 57k limit for the year.

if you make 360k in this example the 15% comes out to 54k from the company and a mere 12k cash over cap that could be paid.

so our contract is the issue with spillover not so much the irs limits right? Then let’s fix the B fund too.