Actually, employer contributions do not count towards the $18k maximum per year in contributions. This is the specific advantage of having a 401k match in the

Actually, employer contributions do not count towards the $18k maximum per year in contributions. This is the specific advantage of having a 401k match in the first place, as it allows employees to have more tax deferred savings than otherwise possible. Source: http://www.bankrate.com/finance/retirement/employer-match-counts-toward-401k-limit.aspx http://www.bankrate.com/finance/retirement/employer-match-co... (Technically, with employer match, it can go up to $53k)