Semiconductors
Accelerated computing co.
MBR-EligibleLast verified 2026-06-16Illustrative archetype
Illustrative archetype — verify with your benefits administrator
After-tax bucket with in-plan conversion. Equity-heavy compensation rarely affects §415(c) room, which keys off cash deferrals and employer additions.
| After-tax support | MBR-Eligible | IRC §415(c) |
|---|---|---|
| Conversion mechanic | In-plan Roth conversion | IRC §402A / §402(c) |
| Contribution mechanic | Per pay period | Plan document |
Check your own plan
This archetype shows a pattern, not your specific plan. Run the SPD decoder against your own Summary Plan Description, then size your room with the capacity calculator.
Informational, not tax advice. Consult a CFP, CPA, or Enrolled Agent before acting on any Mega Backdoor Roth conversion. Plan rules are plan-document-specific — verify with your benefits administrator. IRS dollar limits change annually.