Why do you think there is a 401k Maximum for the employees’ 401k investment? Well, there is a 401k maximum that was conceptualized to make sure that all interested employees especially from the rank and file will have a chance to contribute to the 401k. For all you know, there are maximum contributions set by the government to the employers; so the employers need to make sure that everyone can participate in the 401k retirement plan. It really helps to stick with the 401k maximum so that you don’t have to worry about paying any penalties. This maximum changes almost every year, computed against the cost of living. So, make sure that you check on the maximum contribution allowed every year.