If my employer matches 401k contributions up to 5% of total salary but I only started in Sept, is the total match based on salary to-date? Or could I theoretically max 401k match in the last 3 months of the year based on my total annual comp?

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It’s per pay check

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I've always seen the match as salary to date, or more specifically the salary earned in the paycheck with the contribution in it. The only exception behind end of year catch up from some companies if you hit the contribution limit really.

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Some 401k administrators cap the percentage you can contribute per paycheck. If there is no cap, you could have done 100% contributions and you would get the full matching.

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