<prompt> Human: My wife recently wanted to up her contributions to her 401k. She reached out to her benefits administrator BA to request forms to increase contributions.Upon return of email, the BA notified her that she had not contributed funds to her 401k. Checked her paychecks and they are not taking funds out, however, when I requested that she find her original hiring paperwork, she requested 2. When reading through the document, it states The plan permits me to defer my compensation from 3 to 75. So apparently she put 2 which is below the minimum which is crap btw, she doesnt get paid much, so she should be able to elect how much she wants to defer and nothing was ever done. Heres where thing get a little interesting. She filled it out again at 2 just to see what would happen. They immediately responded with please choose the minimum amount to contribute. Which is 3. This was never done upon hiring.Can anyone advise on our next option? My wife is just now starting to understand the importance of finances after hounding on her for several months. And shes already missed out on over 2 years of contributions. Also, the document doesnt describe where the 401k is going and what its comprised of. Is it just going to a target date fund or what? Thank you in advance.  <response>: It was rude of them to not respond after her contribution fell below the 3 years back- but it was HER FAULT for not noticing. Teach her to read her paycheck and check that its correct. Employers make a lot of mistakes, but few impact you like . I study each and every one of my paychecks to make sure I get what I have earned. 