Biscuit13

Doghouse, That was the formula I was looking for. I remembered there were two steps to if you wanted to maximize the voluntary contribution and do more than 6%. Thanks "HR for me" for your input. Bird, you are right it will not be an easy calculation but for my client that made those voluntary contributions for just a few years, he now has a balance of over $2.3m. Thanks again ! Elkmont13

Bird, Thank you for stating the obvious. Yes, I do have a question. Does anyone information or cites on how the after-tax contribution was calculated? Thanks

Prior to 1986, there was an after-tax contribution formula that allowed a participant to make a contribution over an above what he might receive in the way of a P/S. At the time, an ER could only contribute 15% of eligible payroll and didn't get the owner to the maximum annual contribution (also needed a MPPP to reach the maximum) so there was a provision where they could make an after-tax contribution. It somehow incorporated the annual addition and the ability to make a 6% contribution. Any help would be much appreciated. Steve