This is about PRE-TAX 401k Dollars. Not After-Tax, Not Roth 401k dollars, Not catch up dollars, none of that. Just Pre-Tax 401k Dollars.

Let's say I elect to put $23,500 (the IRS 401k Contribution Limit) from my Profit Sharing put into my 401k, but I've already been contributing to the 401k on the Jan 15, Jan 31, and Feb 15 paychecks. Are the algorithms in the Delta & Fidelity Systems smart enough to do the math for me and only pull from my profit sharing check the exact amount that, when combined with 401k contributions made on the first 2 paychecks of 2025, brings me to the IRS limit for 401k and automatically redirects the remaining PS 401k contribution dollars to me as after-tax cash as well as making the adjustment to my Feb 15th paycheck so no contribution is made to my 401k that would exceed the 401k contribution limit?


Signed,
An Ignoramus swimming in cash