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If the employer provides this minimum benefit, there is no restrictions on the contributions that can be made by the HCE.

Might be worth pursuing with your employer.

Unfortunately, I feel it is extremely unlikely that my employer would go for it. In other words, fat chance!

However, I am still very curious how common it is, that due to the imposed contribution "rate caps", essentially only the top 5% compensated employees in the company are allowed to contribute enough whereby the $10,500 "amount cap" comes into play (and the new tax law changes which increase the "amount cap" over the next few years only benefits this top-tier group).
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