<prompt> Human: Some 401k plans Ive seen allow you only to contribute a maximum percentage of your salary. For example, I have seen plans that will allow you to withhold 30 of your salary but no more. What is the purpose of this? It seems like it will only benefit those who are making high salaries, because they will be the only ones able to hit the IRS max contribution. Seems like it doesnt help the 401k providers, because it results in less fees due to lower contributions. It doesnt appear to benefit the employer or the employee either. Why this arbitrary restriction?  <response>: Most likely as a work around to IRS non-discrimination requirements. Ive worked for companies where the cap is set very high 90 and others where the cap is 15. Im capped to 710k right now due to HCE limits. 