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Please forgive me for my inability to post the previous message in any coherent fashion, but I hope the main idea gets through, because I have seen many 401(k)investors make this mistake, costing them many thousands of dollars over their lifetime. If any of the TMF staff has the ability to edit the message to make it readable, please edit away!
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I'm not a TMF staffer, but I'll take a shot at it... if you had composed your post as follows:

In a nutshell, it works like this: If a highly compensated employee (e.g. $104,000 annually) chooses to contribute at a rate of 15% per pay period, they will reach the $10,500 legal limit after the 17th pay period out of 26, after which they will no longer contribute. Their match of dollar for dollar up to 3% of pay will amount to $2,160, and they will have missed out on the 3% match for the last 8 pay periods of the year.

<pre>

Pay Period 15 Percent 3% Co. 10 Percent 3% Co.
Match Match
Pay Amount 401(k) Match 401(k)

1 $4,000 $600 $120 400 $120
2 $4,000 $600 $120 400 $120
3 $4,000 $600 $120 400 $120
4 $4,000 $600 $120 400 $120
(etc.)
17 $4,000 $600 $120 400 $120
18 $4,000 $300 $120 400 $120
19 $4,000 400 $120
20 $4,000 400 $120
21 $4,000 400 $120
22 $4,000 400 $120
23 $4,000 400 $120
24 $4,000 400 $120
25 $4,000 400 $120
26 $4,000 $- $- 400 $120
$10,500 $2,160 $10,400 $3,120
</pre>

Then I think it would have looked like you wanted -- but I couldn't figure out all of your column headings.

The main thing is, you have two choices when formatting a TMF post:
(1) either use the "table" option, and provide ALL your own line breaks, or
(2) use the <pre> and </pre> tags around the part you want to show up in tabular form, and type the rest of your post, free-form.

HTH,
Phooley in Phoenix
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