E-commerce
Marketplace retailer
MBR-BlockedLast verified 2026-06-16Illustrative archetype
Illustrative archetype — verify with your benefits administrator
Plan limited to pre-tax and Roth elective deferrals. No after-tax bucket means no Mega Backdoor Roth — a standard 401(k) plus a Backdoor Roth IRA remain available.
| After-tax support | MBR-Blocked | IRC §415(c) |
|---|---|---|
| Conversion mechanic | No conversion path | IRC §402A / §402(c) |
| Contribution mechanic | Not applicable | 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.