Last year my employer added a RA to our benefits. The deal was that the employee pays 5% of salary towards the RA and the Employer would pay 7% to total of 12% of salary towards RA. On this years IRP5 there is a big amount listed as code 3808 (Payment of Employee Debt if the policy is owned by the employee) and it seems that this amount equates to the 7% portion that the employer paid. This has a negative effect on my returns as it seems that I now get penalised by SARS for this amount. Should the entire 12% not be codes as 4006 for RA ?