<prompt> Human: I received check in the mail a week or two back. after speaking with a co-worker a bit about it I found out that highly compensated employees have a limit that is under the 18,000 IRS limit. How do I find out what my cap is? and how should I invest the money that I was planning on putting into the 401k?  <response>: The cap would be specific to your company. Ask HR. 