TALEN MONTANA SAVINGS PLAN Contribution & Employer Match
How TALEN MONTANA, LLC Supports Your Retirement Savings
TALEN MONTANA, LLC provides retirement savings benefits through TALEN MONTANA SAVINGS PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
TALEN MONTANA SAVINGS PLAN Estimated Average Employee Contribution Amount
677,177.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,580.00 in TALEN MONTANA SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TALEN MONTANA SAVINGS PLAN
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
TALEN MONTANA SAVINGS PLAN Total Employer Contribution and Match Rate
TALEN MONTANA SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $9,947.00 for 20 years would give you extra $636,626.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
TALEN MONTANA SAVINGS PLAN Contribution & Match Policy
TALEN MONTANA SAVINGS PLAN Contribution, Match and Other Plan Policies
- Under the before-tax and/or Roth 401(k) options, participants may elect a percentage reduction in their base earnings and have this salary reduction remitted by Talen Montana to the Plan through payroll deductions.
- Salaried participants can elect a payroll percentage deduction from 1% to 75%.
- Bargaining unit participants can elect a payroll percentage deduction from 2% to 20%.
- The sum of the before-tax rate and the Roth 401(k) rate elected by participants may not exceed 75% of salaried participants’ compensation and 20% of bargaining unit participants’ compensation.
- Plan participants that are age 50 or older by the end of the year, can make an additional catch-up contribution, the maximum amount of which was $7.5 for 2024.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 4% of eligible compensation and their pre-tax contributions invested in a default target retirement date fund until changed by the participant.
- Effective March 4, 2024, the Plan amended automatic enrollment to enroll newly eligible nonunion participants at 6%.
- Bargaining unit participants are enrolled at 5% deferral rate.
- Automatically enrolled participants will have their deferral rate increased annually on April 1 by 1% per year, up to a maximum deferral rate of 10%.
- For nonbargaining unit participants, effective January 1, 2024, Talen Montana contributes a safe harbor match in an amount equal to 100% of the first 6% of an employee’s total contributions, (aggregating pre-tax and Roth 401(k) contributions).
- Nonbargaining unit participants will also receive a fixed percentage contribution of 2% of the participant’s eligible compensation.
- Certain participants who belong to the IBT Local 190 bargaining unit and have 15 or more years of service and certain participants who belong to IBEW 1638 bargaining unit receive a flat percentage match equal to 100% of the first 6% of an employee’s total contributions.
- Certain participants who belong to the IBT Local 190 bargaining unit and have less than 15 years of service receive a flat percentage match equal to 90% of the first 6% of an employee’s total contributions.
- Certain participants who belong to IBEW 1638 and IBT Local 190 bargaining units also receive a fixed percentage contribution of 3% of the participant’s eligible compensation.
- Participants are vested immediately in their contributions.
- Employer matching contributions for salaried employees are fully vested immediately.
- Employer matching contributions for bargained employees are fully vested after two years of service.
- Employer fixed contributions for IBEW Local 1638 employees are fully vested immediately.
- Employer fixed contributions for IBT Local 190 employees are fully vested after two years of service.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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