Hello!
So, my current job won't let me start to contribute to their 401k plan until November of this year, and if I put 100% of my income towards the plan, I'll probably fall short of 18k because of holidays, near the end of the year (hourly at $55/hour). I have NO idea what the plan even looks like, but I know from experience some plans cap salary percentage contributions (wife's plan won't allow over 67% of income, regardless of salary and $18k limit).
I know that I can't negotiate a higher 401k employer match, because of lame fairness laws, but can I negotiate an earlier date for 401k eligibility? My contract expires this summer, but I've been told I'll be extended, so I have some leverage for negotiating my compensation package prior to November.
