My husband and i are both hospital employed physicians, maxing out or four o one cas yearly back door rothy rras. I am not making over 305 thousand dollars per year, even though my hospital says i am eligible for the four 57 plan. Does this mean that i am not eligible for a four 57 clan based upon these limitations due to my salary? And is it typical for deferrs for this four 57 plan to begin after you maks out your four o one and make over the salary limit?