Why do I care? Generally I minimize my personal contributions and try to maximize the company comps (thereby reducing spill). ALPA puts out a spreadsheet to help you decide how much you want to put in based on your preference.

My issue with this LOA, if I understand it correctly, is that it will prematurely cap what the company can contribute earlier than we've seen in the past. I don't get to choose that difference. It will also spill more in the MBCP earlier. A listen to the "leading edge' podcast from a year ago taught me that the early versions of the MBCP will have higher fees until the overall balance matures. I have no intention of participating in high fee investments. Especially when they are marketed as low return (safe). I just want flexibility for my assets. I see this LOA as limiting that.