Originally Posted by
max8222
True you can already do that. I might be incorrect but deltas 17% goes in the PPSP which is limited to the I RS max? Then cash over cap. Which then they can invest the cash over cap after tax. Big difference in tax deferred for the FedEx program.
Delta will get 18% into their 401k in another year, and since they have cash over cap, they have the option to have the excess spill into a MBCBP, tax deferred like ours. I believe a technique they can do over there is try to fill up their 401k account early in the year with their own money, that way the company’s contributions go into excess earlier and into the MBCBP, which avoids paying ALPA dues on that excess amount.