<prompt> Human: Ive read through their documentation and this looks like some kind of locked down 401k alternate. Im concerned and confused and waiting on additional information from the benefits folks.Does anyone have any tips or guidance?From HR:nbsp;Each year, the companys 401k plan must be tested to ensure it does not discriminate in favor of highly compensated associates. To help our plan pass the discrimination test, Our company limits the contributions of salaried associates with annual base salary earnings of 100,000 or more to 3. Because your base salary earnings for 2015 are projected to be 100,000 or more, you will be considered a highly compensated associate for 2016, and your 401k contributions will be limited to 3 beginning January 1, 2016.nbsp;The Supplemental Smart Savings Plan SSSP was designed to allow highly compensated associates to save beyond the limits of the 401k plan. You are eligible to begin deferring to the SSSP beginning January 1, 2016.nbsp;You can defer up to 15 of your 2016 base pay, quarterly bonus compensation, and 2016 annual bonus compensation payable in 2017 during the open enrollment period, which will run from November 2 through November 18, 2015. The attached Plan Highlights brochure provides additional information about the SSSP.nbsp;Update:nbsp;Thank you all for your feedback and advice.Assistant: If they need to have a 3 limit on HCEs then the plan is really top heavy and HR needs to do a better job at getting lower paid employees to sign up. They are doing it so they dont fail the tests and have to return the money. You should compare this SSSP against other options that are available to you like an IRA to see which works better for you.Human: There might not be enough lower-paid employees. For example at a bank or law firm you might have more lawyers and bankers than support staff. This is why many places like that cant offer 401ks at all.Assistant: Corporate HQ has about 2k people and we have over 700 retail locations nationwide. We have lots of employees.  <response>: That explains it. A safe harbor match with that sort of census would be really expensive for the company. 