Liberty’s 401(k) plan, run by Voya Financial, lets you save for retirement straight from your paycheck. You can save before taxes, after taxes (Roth) or both, and Liberty adds a match on top of what you put in. The money you contribute is always yours, even if you leave Liberty.
Who can join
You can join once you’re 21 and working in an eligible role. Enrollment opens monthly, so you don’t have to wait for open enrollment. Long-term part-time employees can also join after working at least 500 hours in each of two consecutive years.
Liberty’s match for 2026
Liberty will match the first 3% you contribute, up to $3,000 for the year. The match is figured after the plan year ends and deposited into your account in one lump sum. You’re eligible for the match once you’re 21.
Executives (any C-suite title), managing partners, partners and producers don’t receive a match for 2026. The match is discretionary, which means Liberty decides each year whether to make one and how much it will be. The 2026 Match Notice below has the details.
When the match is yours to keep
Liberty’s contributions vest over four years of service: 25% after one year, 50% after two, 75% after three and 100% after four. You’re also fully vested if you retire, become disabled or die. Your own contributions are always 100% yours.
How much you can save
- Contribute anywhere from 0% to 100% of your pay, up to $24,500 in 2026
- Age 50 or older: you can add an $8,000 catch-up contribution, for up to $32,500
- Age 60 to 63: the catch-up rises to $11,250
The limit covers your traditional and Roth contributions combined. If you earned more than the IRS threshold last year, your catch-up contributions must go in as Roth. You can raise, lower, stop or restart your contributions any pay period.
Traditional or Roth?
- Traditional (pre-tax): lowers your taxable income today. You pay income tax when you take the money out in retirement, and required minimum distributions start at 73.
- Roth (after-tax): no tax break today, but withdrawals are tax-free once you’re 59½ and the account is at least five years old (or for disability or death).
Not sure? Many people split their savings between the two.
Other plan features
- Rollovers: you can move money from a former employer’s plan into your Liberty account, even before you’re eligible to contribute. Voya’s Account Consolidation Team (866-865-2660 or ACT@voya.com) can walk you through it.
- Loans: you can borrow from your vested balance, one loan at a time, up to the lesser of $50,000 or half your vested balance.
- Withdrawals: money is available when you retire, leave Liberty or become disabled. Some in-service withdrawals are allowed, but withdrawals before 59½ usually carry a 10% IRS penalty on top of income tax.
- Profit sharing: Liberty may also make profit sharing contributions, which follow the same vesting schedule as the match.
How to enroll
Enroll at myretirementbenefit.voya.com/t/Rb4z with plan number 864151 and plan verification number 86415199. For help, call Voya at 888-311-9487, weekdays 8 a.m. to 9 p.m. ET.
After you enroll, register for online access at VoyaRetirementPlans.com (select Register Now) or in the Voya Retire app. Voya will send you a verification code by text or email, or mail you a PIN, which can take up to 7 days. Once you’re in, name a beneficiary under Personal Information > Beneficiary Information, and try myOrangeMoney to see what your savings could mean as monthly income in retirement.
Questions about your account? Call Voya at 800-584-6001, weekdays 8 a.m. to 9 p.m. ET.
