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Does Anyone Know How a 401K Plan Works? If you are an employee that is saving money in a 401k plan, you are going to probably be able to get a company match from your place of work. Basically, company match is when the company will add as much as your adding of your paycheck to your 401k. For example, if you are putting 3% of your paycheck into your account, your company will also put in 3%. From their taxes. While you are working, you might be able to save some money without having to pay an income ...