Roth 401k Contributions – should I match the employer match or go above/down? 32m, annual – $59,500, hoping to get a second opinion and some potential clarity – My employer 401k is through Merrill Lynch; verbiage regarding employer contributions is: “contributes an annual discretionary contribution to both your 401(k) and ESOP accounts. Historically, these contributions have equaled 5% of employees’ annual salaries — a 1%…