When I heard "Matches 100% of first 4% employee contributes", I thought that meant that they would match me until I had contributed 4% of my salary. That is correct. If you look at your paycheck stub, you will see that at every paycheck, they have matched 4% of your salary.Why should they match on salary you haven't yet earned? Or might not earn, if you quit or otherwise stop working there.Just dial back your contributions so that you are contributing at least 4% of every paycheck. The ideal case is that your last paycheck of the year has a little less contributed to the 401k plan because you bumped up against the IRS dollar limits with that check, but the amount contributed is still over 4% of your pay.--Peter
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