You didn't exceed the limit

The contribution limit is 20500 for 2022, 22500 for 2023.  This does not include the matching portion.

The overall limit (including matching portion) is more than 60,000. 

See the link I provided in an earlier post. 

所有跟帖： 

• 如果要拿到所有的match，他自己的contribution要超过$22500. -田山碧水- ♀ (405 bytes) () 11/07/2022 postreply 06:02:29

• But that's not double taxation. -柠檬椰子汁- ♂ (343 bytes) () 11/07/2022 postreply 06:50:49

• 超过$22500那部分要当年交税，还有10%penalty，以后从401K取钱时还要交税 -田山碧水- ♀ (119 bytes) () 11/07/2022 postreply 07:06:47

• paying 10% for 8% match? doesn't make sense -柠檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:12:14

• 我是这样算的 -田山碧水- ♀ (467 bytes) () 11/07/2022 postreply 07:21:11

• like I said, not sure how two 401K plans work -柠檬椰子汁- ♂ (723 bytes) () 11/07/2022 postreply 07:31:00

• 10% penalty is when corrective action not taken by 4/15/23 -柠檬椰子汁- ♂ (861 bytes) () 11/07/2022 postreply 07:19:28

• 其实超过$22500那部分他可以做after tax 401K contribution,是吗？ -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 07:13:52

• No, total limit is 22500. before and after tax -柠檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:15:56

• 我查了一下，after tax不受$22500的限制，只是所有contribution加起来不超过$61000即可 -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 08:03:23