My wife's HSA gets a $2000 contribution from her employer to help offset the higher deductible under Obama care. The maximum yearly contribution from her is $10000 and she can roll those pretax deductions into her 410k as long as she keeps $2000 in the HSA. The HSA contribution to the 401k is not subject to the limits on the 401k itself. INOW it is outside of the 16% cap.
_________________________
"...the pool hall I loved as a kid is now a 7-11..."

If you don't like our prices bring your wife down and we'll dicker.