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Greetings, Terry, and welcome. You wrote:

You stated that some employers would continue the match while others would not. I can't think of any reason or way that an employer could/would continue a match based on the scenario that C2Reed listed. If you miscalculate your contributions, that's it.

I repeat: It's entirely up to the employer. I have worked for more than one who could care less if I put my $10.5K in early. As long as I put in enough to receive the full match for the year, I got it. If the full match called for 6% of pay on my part for a maximum 3% match, the employer did not care when my dollar limit was reached. He matched 3% per pay period. If my contributions stopped in August (as they often did), because I had put in my 6% already for the year, the employer continued to do so. It all depends on how the employer wrote the plan document and how that document is interpreted by that employer.

Some employers are cheap. Some aren't. Most are.

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