不一定，各个公司情况不同，得问HR或401k管理员。 如果你还没问过AI的话，下面是它的解释 Generally, if you reach your 401(k) contribution limit early in the year, your employer may or may not continue to match your contributions for the remainder of the year. Here''s why and what you need to consider: Employer Matching Contribution Calculation: Many employers calculate matching contributions on a per-paycheck basis, rather than as a lump sum at the end of the year. If you stop contributing to your 401(k) once you hit your personal limit, your employer''s matching contributions may also stop because there''s nothing for them to match. "True-up" Provision: Some 401(k) plans include a "true-up" provision. This ensures that even if you max out your contributions early, your employer will make an additional contribution at the end of the year to bring the total match up to the maximum amount you''re eligible for, assuming you met other eligibility criteria throughout the year. If your plan has a true-up: You can generally contribute as much as you want per paycheck, even front-loading your contributions, and still receive the full employer match as a year-end adjustment. If your plan does NOT have a true-up: You should pace your contributions throughout the year to ensure you contribute enough in each pay period to receive the maximum employer match. Consult your plan documents or HR: It''s essential to understand the specifics of your 401(k) plan''s matching policy, especially whether it includes a true-up. Check your Summary Plan Description or contact your HR department or plan administrator for clarification. Consider the combined limit: While your employer''s match doesn''t count towards your personal contribution limit ($23,500 in 2025 for those under 50), there''s an overall contribution limit for both employee and employer contributions ($70,000 for 2025 or $77,500 with catch-up contributions for those eligible). You should be mindful of this combined limit when making your contributions. In summary: If your plan has a true-up, you can hit your limit early without losing out on the match. If not, consider spreading your contributions out throughout the year to maximize the employer match you receive.
如果你还没问过AI的话，下面是它的解释
Generally, if you reach your 401(k) contribution limit early in the year, your employer may or may not continue to match your contributions for the remainder of the year. Here''s why and what you need to consider: Employer Matching Contribution Calculation: Many employers calculate matching contributions on a per-paycheck basis, rather than as a lump sum at the end of the year. If you stop contributing to your 401(k) once you hit your personal limit, your employer''s matching contributions may also stop because there''s nothing for them to match. "True-up" Provision: Some 401(k) plans include a "true-up" provision. This ensures that even if you max out your contributions early, your employer will make an additional contribution at the end of the year to bring the total match up to the maximum amount you''re eligible for, assuming you met other eligibility criteria throughout the year. If your plan has a true-up: You can generally contribute as much as you want per paycheck, even front-loading your contributions, and still receive the full employer match as a year-end adjustment. If your plan does NOT have a true-up: You should pace your contributions throughout the year to ensure you contribute enough in each pay period to receive the maximum employer match. Consult your plan documents or HR: It''s essential to understand the specifics of your 401(k) plan''s matching policy, especially whether it includes a true-up. Check your Summary Plan Description or contact your HR department or plan administrator for clarification. Consider the combined limit: While your employer''s match doesn''t count towards your personal contribution limit ($23,500 in 2025 for those under 50), there''s an overall contribution limit for both employee and employer contributions ($70,000 for 2025 or $77,500 with catch-up contributions for those eligible). You should be mindful of this combined limit when making your contributions. In summary: If your plan has a true-up, you can hit your limit early without losing out on the match. If not, consider spreading your contributions out throughout the year to maximize the employer match you receive.
有一年涨工资 忘了去改contribution. 是按%存的 后面几张paycheck 就没match 感觉亏了几个亿😅