I recall you are a little weak in Payroll issues. I recommend you get someone, or a table or chart, that helps you learn and document for reference all the various Benefit packages like this. Pre-tax, after tax, employer provided only, with or without employee, with or without employer match, available to SE, etc. The same with possible distributions for retirement plans (4001(k), Roth 401(K), SIMPLE IRA, SEP IRA) and Trad IRA, Roth IRA, etc. Everything needs to be looked up, unless you intend to memorize all of it. Make reference charts. Bookmark reference pages.