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 contribute to the plan through pre-tax or after-tax (Roth) contributions, up to the projected 2027 IRS limit* of $25,500. If you are age 50 or older by year-end, you may make additional catch-up contributions of up to $8,500. If you are ages 60–63 by year-end, a higher “super catch-up” limit of $11,750 applies instead of the regular catch-up limit. For 2027, if your 2026 FICA wages from the employer sponsoring the plan exceed the projected $155,000 threshold, all catch-up contributions must be made on an after-tax (Roth) basis. Your contributions are always 100% vested.
*2027 limits and the wage threshold are projections and are subject to IRS confirmation.
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 empower-retirement.com/participant.