Most employees don't maximize their contributions, thus probably not taking advantage of the full profit sharing if it is determined on the amount you contribute. Please consult with OD further for more details. I am curious. You could be right. Would like to hear more details about 401k profit sharing for OD.

Discretionary Matching Contribution. The Employer may make a discretionary matching contribution equal to a uniform percentage or

dollar amount of your elective deferrals each Plan Year. Each year, the Employer will determine the formula for the discretionary matching

contribution.

Fixed Matching Contribution. The Employer will make a fixed matching contribution equal to 50% of your elective deferrals up to 6% of

your compensation each payroll period. The matching contribution will not be made on elective deferrals in excess of 6% of your

compensation each payroll period.

The nonelective contribution will be "allocated" or divided among participants eligible to share in the

contribution for the Plan Year.

Your share of the nonelective contribution is determined by the following fraction:

Nonelective Contribution X Your Compensation

Total Compensation of All

Participants Eligible to

Share

For example: Suppose the nonelective contribution for the Plan Year is $20,000. Employee A's compensation for the Plan Year is

$25,000. The total compensation of all participants eligible to share, including Employee A, is $250,000. Employee A's share will be:

$20,000 X $25,000 or $2,000

$250,000

Go figure