Just to be clear, the RHA / Active HRA is tax advantaged money. I’d like “another venue” as well, but this LOA temporarily eliminates the freedom to choose which venue.

I’m not in love with the lower-cap company PRAP contribution, but I only see this being a real issue for folks that aren’t contributing. It could be more of an issue over time as IRS limits rise though if it isn’t concurrently raised. In any event, it sure looks to me that the lower PRAP cap is simply an outcome of having the eventual optionality of splitting funds between a MBCBP and RHA/Active HRA anyway; therefore, an outcome of our UPA that wasn’t clear at the time, but this LOA will have to cover.

Although while it is low risk I think the potential for an unexpected tax liability in the event the IRS doesn’t like something about this later should be part of the decision as well.

I don’t care how folks vote, but I have to say of everything I’ve ever voted on this some fantastic first world problem stuff that is likely to be okay either way it goes.