How do I know if my 401K plan allows for mega backdoor contributions? I have it through Fidelity, but not sure how to figure out if my plan allows for it

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Look around the portal for “in-plan Roth conversion” or give them a call through your fidelity portal and ask about in plan Roth converstion

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You need after tax contributions as an option and you need in plan conversions or withdrawals. Call fidelity or your benefits company if you can’t find a summary plan description. Also on the slight chance you work for EY, you can’t.

Fidelity does do this for personal accts, not sure the relevance of your company

All of my accounts are at fidelity. I don’t understand what that has to do with anything though. I just don’t follow your comment at all about the relevance of the company. Whether the plan for your company plan allows it or not is the question. The company is completely relevant.

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