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Leanne.... It looks to me like your employer is simply going to a "safe harbor" 401k plan. This allows the highly compensated employees to contribute to the maximum allowed by law without penalizing the "rank and file." As long as you continue to contribute 10%, you will have the same amount going into the plan. In fact, you could reduce your contributions and still pick up the same match -- for example, you might consider putting the three percent in a ROTH IRA.

Rick Meigs
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