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null

Does anyone know D's 401k plan rules on after tax contributions? Trying to see if mega backdoor Roth is available.

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100% after 4 years. Phased % vesting years 1-3.

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So if I stay less than 4 years, I don't even get the 1.5%???

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Same plan rules as traditional 401k as far as I'm aware

@C1 I'm looking into after tax contributions after the 18k limit. Roth and Trad plan rules are the same I believe.

18k is the combined limit, Roth + traditional

Depending on plan rules, it is possible to contribute beyond the 18k limit. See IRS notice https://www.irs.gov/pub/irs-drop/n-14-54.pdf

Involves some in service withdrawals to Roth IRA, but just trying to see if anyone on here has experience with it.

Is there a vesting time for 401K match?

401k match at Deloitte is pretty abysmal though .25% of the first 6%.

It's pretty hard to find a better match anywhere ends too.

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