<prompt> Human: I expect to be VERY close to the 120k number at the end of the year. Probably a little bit over 1-2k. This would make me a Highly Compensated Employee and means that I will be ineligible for most of the benefits of a 401k and Mega Backdoor Roth through my employer.Is this 120k number gross income before any deductions? I have money for my 401k taken out every paycheck along with HSA money and a dependent care savings account. Will any of this help me?  <response>: This would make me a Highly Compensated Employee and means that I will be ineligible for most of the benefits of a 401k and Mega Backdoor Roth through my employerTo double check first: are you sure about this for your particular employers plan? Have you been notified that your contributions are being capped this year?Being a HCE doesnt really matter on its own: its whether your employers 401k plan meets the IRSs nondiscrimination test requirements and whether their compliance gets tested. Most plans that are on the ball enough to allow in-plan mega backdoor roth conversions should have that all figured out and many have auto-escalation clauses, safe harbor plans, etc. to deal with it without any impact to HCEs. 