Tell us about yourself to personalize your benefits.
401(k) page hero image
Money

401(k) Retirement Plan

Accelerate your retirement plans.

Speed read

calendar-1

01

You’re eligible for the 401(k) as of your first day of employment with Caliber.

02

You’re automatically enrolled after 30 days at a 2% contribution amount, unless you opt out or elect a different amount.

03

Caliber makes a matching contribution to your account.

Your contributions

Through payroll deductions, you can make pre-tax or Roth after-tax contributions up to the annual IRS limits, which are based on the age you’ll turn this year.

  • Pre-tax: You put in money before taxes, lowering your taxable income now; you’ll pay taxes later when you withdraw in retirement.
  • Roth after-tax: You put money in after taxes, so qualified withdrawals in retirement aren’t taxed.
  • Change any time: You can increase, decrease or stop your contributions at any time during the year.
  • Age 50 and older: You may be eligible for catch-up (and, ages 60–63, “super” catch-up) contributions.
  • Rollovers: You can move a 401(k) balance from a former employer into your Caliber account.

Caliber’s contribution

Caliber matches 50% of your contributions, up to 6% of your eligible pay (for a total match of 3%). The company match is discretionary.

A few legal things to know: total annual contributions (yours and the company match) can't exceed $72,000 in 2026, not including catch-up contributions. If you contributed to a 401(k) with a different employer this year, you’re responsible for tracking your combined total.

Setting up your account

You can enroll as of your first day of employment, so don’t wait. Once you set a contribution amount (or leave the automatic 2%), you’ll automatically start getting contributions from Caliber, too. If you’re automatically enrolled and decide you don’t want to contribute, you can request a distribution as long as you make the request to Empower within 90 days of your first payroll deduction (this distribution is taxed).

Get in touch

Empower

Group Number: None
Caliber: Your Benefits At Work
Tell us about yourself to personalize your benefits.
Privacy