Moneta’s 401(k) plan helps you save for retirement, with an employer match and discretionary profit sharing.

How the 401(k) plan works

Contribution limits

You can contribute up to $24,500 in 2026.

If you’re age 50 or older, you can contribute additional catch-up contributions each year:

• 50-59 or 64+: $8,000
• 60–63: $11,250

Ways to contribute

There are two ways to contribute to the 401(k) plan:

• Pre-tax: Contributions are deposited before taxes are deducted from your pay. This reduces your taxable income, but you’ll pay taxes when you withdraw.
• Roth: Contributions are deposited after taxes are deducted from your pay. This reduces your take-home pay, but you won’t pay taxes when you withdraw.

Matching contributions

After 1 year of employment and at least 1,000 hours in that year, Moneta matches 50% of the first 6% you contribute. If you contribute 6%, Moneta adds 3%. If you contribute 3%, Moneta adds 1.5%.

Profit sharing

Discretionary, determined annually, and typically allocated in the spring. Made on a pre-tax basis.

Vesting

You are always 100% vested in your own contributions. The match and profit sharing vest on this schedule: