Multiple employers means multiple plans with separate matches but one shared IRS limit. Benefits Optimization shows you the allocation that captures every dollar.
Uncaptured Match
$3,200/yr
Optimize contributions across 3 plans
Match formula, cap, HSA, premiums, mega backdoor Roth. Each plan takes under a minute to enter — and you immediately see what that employer is actually worth beyond the salary number.
Two or more plans unlock a side-by-side comparison across 7 dimensions: match formula, annual match value, HSA, premiums, mega backdoor, and vesting. The best value in each row stands out immediately.
| Benefit | Tech Corp | Consulting LLC | Startup Inc |
|---|---|---|---|
| Match Formula | 100% up to 6% | 50% up to 8% | 3% non-elective |
| Max Annual Match | $7,500 | $3,800 | $2,340 |
| Employer HSA | $500/yr | -- | -- |
| Monthly Premiums | $210/mo | $180/mo | $242/mo |
| Annual Premiums | $2,520 | $2,160 | $2,904 |
| Mega Backdoor | Yes | No | No |
| Vesting | Immediate | 3-year cliff | 4-year graded |
Allocates your total 401(k) budget across all plans to maximize employer match. Respects the $24,500 IRS limit. Warns about over-contributions. Shows per-paycheck amounts for each employer.
Total 401(k)
$24,500
Employer Match
$13,640
Total HSA
$4,150
Est. Tax Savings
$6,876
See how the optimizer allocates contributions across multiple plans
Match: 100% up to 6% = $7,500/yr
HSA: $500/yr employer contribution
Premiums: $175/mo health + $25/mo dental + $10/mo vision
Mega Backdoor Roth: Available
Match: 50% up to 8% = $3,800/yr
Premiums: $150/mo health + $20/mo dental + $10/mo vision
Match: 3% non-elective = $2,340/yr
Premiums: $210/mo health + $22/mo dental + $10/mo vision
Start with 3 plans, then add a 4th
See your plans side by side at no cost. Upgrade to Pro for optimal allocation, per-paycheck amounts, and overlap detection.