<human>: Father and uncle have a partnership and I've worked for them for the past 5-6 years.  401K offers no match.

Now the financial company guy (outside company) running this told me to set one up like 5 years ago.  Gave me the paperwork, and I kind of blew it off for a few years.

Last year I decided to inquire about it.  Then he starts telling me that I can't contribute or its illegal.  After a little research and questioning him, he changes his tune a little bit.  The only way was to contribute on some minuscule amount that would make my 401K virtually trivial.  That attempting to contribute the max would cause me IRS problems.

Then he says the only way I can max contribute is by convincing my dad and uncle to allow company matching up to a certain percent.  That if the rules of the 401K and company policy are changed, that I can then contribute legally to the full amout.

Family business is large but my dad and uncle aren't willing to match anyone's contributions.  We only have about 15 people on the 401K plan out of about 150+ employees.

The company is based in PA. if that matters, and I will probably inherit a portion of the business along with my 2 brothers and 3 cousins.

Can you provide a brief overview of the text?
<bot>: Are there legal restrictions (at least in PA) on 401K based on the owner's family, or contributors potential to become an owner one day.