I just put the extra money into regular investment account. My investments account tend to perform better than the rather boring results that 401k accounts give me. Would be different story, if I was allowed to contribute to Roth IRA. I actually didn't know about the backdoor conversion until this year, but that loophole seems to be on its way out.

you can usually roll your company's 401k savings into a self-managed IRA with level 2 options once a year, FYI

oh.. changing my elections now! thanks.