/participants/{participant_id}/totals/

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.