While searching for retirement contribution limits for 2019, I came across the Annual addition limit term. I had previously been exposed to this concept by my employer, but without the actual term name I couldn't search for the definition of it.
Various websites list this limit as
"The IRC § 415(c) annual addition limit for 2018 is $55,000. This limit applies to the total amount of contributions made on behalf of a participant in a calendar year." (TSP website)
"Annual Addition Limit $55,000 IRC §415(c)
An additional limit imposed on the total amount of all contributions made on behalf of an employee in a calendar year. This limit is per employer and includes employee contributions (tax-deferred, after-tax, and tax-exempt), Agency/Service Automatic (1%) Contributions, and Matching Contributions. For 415(c) purposes, working for multiple Federal agencies or services in the same year is considered having one employer." (also TSP site)
"Annual Additions Limit. The total employer plus employee contributions to all defined contribution plans by the same employer will increase by $1,000 from $55,000 in 2018 to $56,000 in 2019." (the finance buff) I recognize the 2019 limits are speculation until October.
So my question is, I think my 2017 taxes were done wrong and I've likely screwed up 2018 also by not catching this. I've been trying to come close to $55k on my own, not including employer match.
Here's what's listed on my 2017 W2
12a C 83.16 (life insurance?)
12b G 11687.00 (457b)
12c P 6650.00 (moving?)
12d W 6750.00 (HSA)
14 Other
Retire 2008.87 (my mandatory pension contribution)
Irrevoc 34991.00 (y irrevocable 403b election)
So my questions are basically - according to what's on my W2 I'm within the limit (pension + 457 + 403) = $48,686
But the definition seems to state that employer based contributions are also part of the $55k limit. I do not see anywhere on my W2 that this amount (457b match at 5% or $6650) would be listed. So is this a scouts honor sort of thing? If I am being literal I also should include my employer's contributions to my pension, which would add in another $10k. Both my employer match 457 match and pension contribution show up on my paychecks but are nowhere to be found on the W2.
Advice please?