My wife's doesn't have a match per se. Instead the company contributes a lump sum annually that amounts to about 5% of her income. She wouldn't have to contribu

My wife's doesn't have a match per se. Instead the company contributes a lump sum annually that amounts to about 5% of her income. She wouldn't have to contribute anything to get this money and it doesn't count against her annual cap. It is accounted for separately from her contributions, so might technically not be a part of her 401k.