Right, but employers aren't allowed to coordinate to calculate whether the hit the cap together or not. They don't have that discretion. See https://www.ecfr.g

Right, but employers aren't allowed to coordinate to calculate whether the hit the cap together or not. They don't have that discretion. See https://www.ecfr.gov/current/title-26/part-31#p-31.3121(a)(1)-1(a)(3) https://www.ecfr.gov/current/title-26/part-31#p-31.3121(a)(1...