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Old 09-21-2011, 11:21 AM
 
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I'm wondering if the limit is 16k including or excluding the employer match.
please let me know and please provide source/link to your evidence.

thanks.
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Old 09-21-2011, 11:25 AM
 
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Ok, i believe the 16,500 is EXCLUDING employer match.

Does the 401(k) max contribution limit include the employer match? | Accumulating Money
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Old 09-21-2011, 12:52 PM
 
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excluding employer match.

If you are over 50, you can also contribute an additional $5,500.
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Old 09-22-2011, 02:31 PM
 
Location: St. Croix
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401(k) Resource Guide - Plan Participants - Limitation on Elective Deferrals

16,500 for EE contributions but you need to know what type of plan your employer offers in order to determine the previously stated $5,500 additional "catch up" contribution. It depends on the type of plan. See the HR rep at your employer to get the answer. You don't want to end up in a situation where you receive a refund for over-frunding your account. Not an ugly thing, just a hassle.
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Old 09-22-2011, 05:28 PM
 
Location: Wisconsin
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Depending on the size of the employer, if you have online access to choice of investment contributions/percentages, you will not be allowed to contribute a catch-up if your employer plan doesn't provide for this. My former employer had its 401k for employees at Schwab which allowed contributions and catchup contributions as online choices.
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Old 09-22-2011, 05:46 PM
 
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Maximum Total 401k contribution per an individual is $49,000.
Maximum from individuals earning is $16,500.
Maximum from employer is $32,500.

If you are 50+, you can put in an additional $5,500 from personal earnings.

These limits are across all your 401Ks. Ideally, you want to get as close to $49,000 as you can afford in your 401k every year.
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