While a protocol as a whole, may be comprised of more than one header type that it uses for communication purposes to exchange information such as state and transmit application specific data. This is the reason why sometimes a protocol is described as a protocol suite.
Since January 1, 2006, U.S. employers have been allowed to amend their 401(k) plan document to allow employees to elect Roth IRA type tax treatment for a portion or all of their retirement plan contributions. The same change in law allowed Roth IRA type contributions to 403(b) retirement plans. Employees can roll their Roth 401(k) contributions over to a Roth IRA account upon termination of employment. 2  It is the employer's decision whether to provide access to the Roth 401(k) in addition to the traditional 401(k).
Roth 401(k) plans let you contribute up to $17,500 for 2014 in after-tax dollars that you can collect tax-free when you retire. If you have only contributed $5,000 to your Roth account in the plan, then it would be simplest to contribute the remaining $12,500 for 2014 before opening a back-door IRA.lthough Roth IRAs provide many advantages for lower-and middle-income retirement savers, those with modified adjusted gross incomes (MAGI) above a certain amount are subject to a contribution phase-out schedule, adjusted for inflation each year, that eventually disallows direct contributions.