The amount of elective deferrals that an individual can exclude from income for a tax year is limited. Elective deferrals are:
(1) amounts contributed to tax sheltered annuity plans under salary reduction agreements;
(2) amounts contributed under cash or deferred arrangements to 401(k) plans ( Q 3751) and salary reduction SEPs (“SAR-SEPs”) ( Q 3705); and
(3) amounts contributed under salary reductions to SIMPLE IRAs ( Q 3706).1