<prompt> Human: Hi rpersonalfinancex200B;I lurk a lot here and think myself pretty financially literate, but this week Ive run into an issue unfamiliar to me. I work for an employer that provides a 401k with a 4 match. Ive historically maxed out the 401 every year, requesting annualmax12 be withheld from my monthly check. No problems, abt 1500month.x200B;This year, Ive made a good bit more, and had paid only cursory attention to my stubs over the summer because life. This past week I sat down to catch up, and noticed that my employers match abruptly stopped with a 446.49 matching contribution in June. This brought the total match for the calendar year to 7946.49. My contributions have continued unchanged each month through now.x200B;I contacted my HR dept, and was told that the employer match is only available on the first 270,000 of compensation. June was when I hit that number, and HR said due to IRS regulations, your earnings after june are not eligible for match dollars. Looking for something to substantiate this in the plan documentation they gave me, I found:x200B;Compensation for your first year of eligible Plan participation will be based upon eligible compensation paid for the entire Plan Year. Tax laws limit the amount of compensation that may be taken into account each Plan Year; the maximum amount for the 2018 Plan Year is 275,000.x200B;A quick google search produced a bit of information on a 401 match provision called true-up, where a company can average out inconsistent contributions over the course of a calendar year to result in a better match, but I havent really seen anything pertaining to losing match dollars because of hitting 270k or 275 early in the year. Let alone some sort of true-up to salvage that money.x200B;My employer suggested that I should have just stated contribute 5 rather than an even amount, which would have netted a lot more match and maxed out early in the year.x200B;I figure Im probably just lost that money to my employer and will get over it. But this is a loophole that caught me offguard and Im curious if anyone else has experience with similar.x200B;By the way, Im aware that I make a lot. Its still irritating to lose my money to a company that makes even more.  <response>: Sounds like you are a Highly Compensated Employee. If that is the case there isnt much you can do. You need to campaign for your coworkers to enroll in the 401k.Im just speculating. Ill never be in this situation, and have only seen it a few times in this sub. 