Since there is a max for our contribution of $19,500, so (1) if a company matches 50%, that means the total max out at $29,250?
On the other hand, (2) if a company matches 100% but only for 4.5%, that means theoretically, it can go up to $39,000 total contribution?
But for (2), even if the salary is at $200,000, then 4.5% is only $9,000 so that means total contribution is $18,000. We can contribute $19,500 and with the $9000 matching, it is $28,500. In both (1) and (2), we contribute about $19500 and the company is matching about $10,000 -- except one situation: if the salary is really high, like $430,000, then 4.5% of it is $19350, and together with 100% matching, it is about $39,000? Is that above true? It seems like it is making the rich richer.