Returns year-to-date contribution totals, account balances, income, loans,
and applicable annual contribution limits.

Includes YTD totals for:

• Pre-tax contributions
• Post-tax contributions
• Company contributions
• Compensation (YTD and prior year)

Also includes:

• Total account balance
• Cash balance
• Active loan balances
• Payroll count for the year

Contribution limits:

• Pre-tax and post-tax contributions share a single combined
  contribution limit.
  This means contributions to EITHER pre-tax OR post-tax reduce
  the remaining limit for BOTH.

  Example:
  If the contribution limit is $23,000 and a participant contributes
  $10,000 pre-tax, they can contribute at most $13,000 more total
  across pre-tax and post-tax combined.

• Catch-up contributions have special eligibility rules.
  A participant may be eligible for Roth (post-tax) catch-up
  without being eligible for traditional (pre-tax) catch-up.

• The year_contribution_limit is the absolute maximum for all
  contributions combined:
  pre-tax + post-tax + all catch-up contributions.

• Each contribution type may not exceed its own individual limit.