I mean yeah it's funny people joke about office sex on the desk and all that crap, but those things are just what you read on Penthouse Forum (source: Family Guy). Especially for us guys, those harrassment complaints are NASTY and even if HR do prove you're innocent there's still the whispers that goes around.
Not sure about Ace's but mine is similar to yours. You can decide to take a percentage out of your paycheck pre-tax and after tax. Most employers would match an amount up to a percentage, like mine would go 25 cent for every dollar up to 10% and then it goes to investments blah blah blah.