Retirement readiness is an important part of overall financial wellness. The alliantgroup 401(k) Plan provides many investment options and design features to help participants plan for their retirement.
You are eligible to participate in the 401(k) plan on the first of the month following 30 days of employment.
You may elect to participate in the plan via pre-tax or after-tax (ROTH) contributions up to the annual IRS contribution limit. If you are age 50 or over, you are eligible to make additional “catch-up” contributions of up to the annual IRS catch-up limit (for those age 60-63, they are eligible for “super catch-up” contributions). Starting in 2026, participants 50 or older who make more than $145,000 in compensation in 2025, must make their catch-up and/or super catch-up contributions as after-tax (ROTH) per IRS regulations. All your contributions are always 100% vested.
alliant will match employee contributions 50% on the dollar up to 6%. Company match contributions, and any earnings they generate, vest on an employee’s 3-year anniversary.
A well-diversified portfolio is one important aspect to building your retirement account. Your asset allocation should reflect your age and risk tolerance. The alliantgroup 401(k) Plan offers 31 fund options including 11 Target Date fund options. Periodically review your account to make sure your fund allocation reflects your target and risk tolerance.
You have a vested interest in your account, so it’s up to you to educate yourself on how to take full advantage of it. For more information on the alliant 401(k) plan as well as information on retirement planning, contact Empower Retirement at (800) 338-4015 or at www.empower-retirement.com/partcipant.