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Is Allowing After-Tax Contributions in Your 401(k) Plan a Good Idea?
Milliman Retirement Town HallLink to more items from this source
May 5, 2015

"[A] participant could potentially deposit substantial after-tax contributions above the individual deferral limit of $18,000 (for 2015) ... limited only by the Section 415 annual addition limit ... [T]he largest missing component in this discussion is the nondiscrimination testing.... It won't benefit the HCE to contribute these after-tax funds if they can't be retained due to testing failures.... Even with large plans with many HCEs, a few large rates can drastically change the HCE ACP rate."

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