i mean, I dont think companies should be on the hook. Instead I think that money should just move into regular compensation and the government should be the one

i mean, I dont think companies should be on the hook. Instead I think that money should just move into regular compensation and the government should be the one to both allow and incentivize 401k usage. It's kinda weird that I can only contribute $19k but if my company matches more can go in? That makes no sense. The limit should be the limit regardless of the graces of your employer.