Private beta. While the execution layer is being finished, running errands is limited to
accounts on the company domain; anyone else gets a structured refusal instead of a run. Nothing on
this page is a promise that this errand runs for your account today.
What this errand is for
Make sure you’re contributing enough to capture every dollar of employer match your plan offers — one of the highest-return moves in personal finance.
What Hence does in the pilot
- Find your employer’s match formula in your plan summary or benefits portal.
- Work out the contribution percentage that captures the entire match.
- Log in and set your contribution rate to at least that percentage.
- Check your next pay stub to confirm the new rate actually applied.
- Set a yearly reminder to re-check the match and avoid the true-up trap.
Part of the errand, but not something Hence does for you here:
- Choose where the contributions get invested — don’t leave them in cash.
What you approve, and what you get
These steps wait for your explicit yes before they happen:
- Log in and set your contribution rate to at least that percentage.
What comes back:
- A screenshot of the match formula as the plan states it.
- The gap between the current deferral and the match cap, with the figures it used.
- A screenshot of the saved deferral rate and its effective date.
- The stub line showing the new deferral, or the chase after two cycles.
- The reminder, with its date.
Screenshots and documents are referenced by the task rather than pasted into your assistant’s transcript.
Intents
The ways of asking that reach this errand:
- am I getting my full 401(k) match
- capture my full employer match
- raise my 401(k) contribution to the match cap
- what contribution rate do I need for the whole match
Admission
Before it starts, it asks:
Capturing the match is usually the best move there is — but a few situations change the math and can cost you if you march straight through. Any of these you?
Say yes to any of these and it continues, with the caveat stated:
- I don’t think my plan actually offers a match.
- I’m a brand-new hire and may still be in a waiting period.
- I might leave this job before the match fully vests.
- I had two employers with 401(k)s in the same year.
Say yes to any of these and it points you at what fits instead:
- My account might be a 403(b), 457, SIMPLE IRA, or TSP, not a 401(k).
Hard stops it will not work around:
- Setting a rate before the plan’s match formula has been read — the cap is the whole answer.
- Any change to the investment election; S0 changes the deferral rate only.
What it asks you for:
- What you contribute now (%) — a rate, required.
- How much you’ll contribute this year — an amount, required.
- Your annual pay — an amount, required.
- Your current marginal tax rate — one of a fixed list, required.
- Up to this % of your pay — a rate, required.
- Employer matches this % of what you put in — a rate, required.
What it reads from a statement or document you already have:
- Your current 401(k) contribution rate — a rate, optional.
- How often you’re paid — text, optional.
Published ceiling
READY, and DONE behind an explicit approval of the exact new deferral rate.
The ceiling is the furthest outcome state this errand may reach. It is enforced in the runtime rather than advisory — see the four outcome states.
Blockers and instruments
- Recordkeeper test account — not held yet.
Jurisdiction
United States.
Freshness
The procedure behind this errand was last verified on 2026-09-11.