<prompt> Human: The topic about maxing out 401ks got me thinking about this. For those that do max out your 401k, or come close, and your employers plan is not a safe harbor plan, have you ever had money returned to you out of your 401k because the government deemed that you contributed too much money compared to the average plan participants? This happened to my aunt last year. Anyone else? Ive tried to find information on what would constitute having money returned, but cant find much. Side note, safe harbor means either the employer contributes 3 for everyone regardless of if the employees contribute anything themselves, or matches 100 of the first 4 that everyone contributes, for those that were not aware.  <response>: I see people ask about it after they learn they are an HCE; dunno numberspercentages but it definitely happens. 