<prompt> Human: I work in healthcare and received an email today saying that I have been identified as a well compensated employee who makes above 120,000year just barely thanks to on call etc and therefore I am only allowed to contribute 4 to prevent discrimination tests by the IRS. Starting in the new year it will take my previous 10 contribution and set it to 4. My employee does a 25 cent match on the dollar up to 4.They have told me for additional contribution, I have to start a new 403b plan which means I now need to start from zero for retirement savings. Has anyone run into this type of scenario before? This is the first time I have had a decent retirement account savings with compound interest, and I am not sure where to go from here. I think the next steps would be to speak to a financial advisor at my retirement company Fidelity and consider looking at another financial advisor to figure out where to go from here.  <response>: I dont understand how your employer can offer both a 401k and a 403b at the same time. 