Thanks for your feedback, wdanner and J Welterweight!
To answer your questions:
I will make WAY less than $116K in 2015. I am not yet maxing out my 401K, but instead contributing about 11% and was trying to increase that number as the year goes on. As for my employer, they contribute 3% of my salary regardless of whether I contribute or not. I also am 100% vested, not sure if that matters.
When you say HSA, are you referring to the healthcare savings account? We only have an FSA.
My biggest goal for this year is to completely pay off my student loans, about $23K, so I will not be maxing out my 401K, but want to make sure the contributions that I am making are the smartest decision I can make. Next year I will hopefully switch to maxing out my 401K, or perhaps not, if a Roth is a better idea for me in my tax bracket.