Yeah, this is a small company without match and the owner has no interest in helping me figure this out. I've had disbursements sent back to me 2 years in a row and this year I'd like to contribute the full amount. It sounds like I should be able to since last year my income was under the threshold? This year my income will be over the threshold again, so I'm trying to confirm for sure that I can contribute this year, especially knowing that I won't be able to next year. Ughh, so confusing.