Make your PRAP more agressive... bud they give us 15 options to choose from and the most aggressive is the "total stock market".

The reduced cap on PRAP company contributions is crap for people in the younger years of their career. Currently, I can contribue $10850 of my own money and have 70k of my retirement in the stronger PRAP. If i contribute $10850 now I get $57k into my PRAP and $13k into essentially a bond fund. So make the difference up I need to contribue the $22k or whatever the IRS limit is. So more money out of my pocket to acheive the same thing for a minimal return on investment. At my age I'd rather have the extra $10k in liquidity than put it into a bond fund.

At least the spill into the HRA/AHA is useful to use and it's also tax leveraged.