Retirement Plan

Traditional 401(k) or Roth 401(k)? You can have both!

Having a traditional 401(K) and/or ROTH 401(K) retirement account can help you diversify your tax exposure.

DCA Outdoor offers both options for employees with eligibility on the first day of the month after your
date of hire.

Even if you do not wish to contribute immediately, we encourage you to enroll in one or both plans now. Once you have completed your enrollment, you can increase or decrease your contributions from/to $0.00 up to the maximum amounts detailed below.

Employee Regular 401(K) – a tax-deferred salary savings plan
• Pre-tax payroll deduction
• No current federal or state tax
• FICA taxes are applicable
• Immediate vesting
• Employer 4% match on contributions up to 4% of annual wages
• No current tax on investment
• Loan available – up to 50% of account balance; may have two loans at a time
• Roll overs allowed

Employee ROTH 401(K) Salary Deferral Contributions
• Post-tax payroll deduction
• No current tax on investment earnings
• No federal or state tax on future distributions if distributed the later of age 59 ½ or five years from the first contribution year
• Employer 4% match on contributions up to 4% of annual wages
• Loan available – up to 50% of account balance; no more than one loan at a time
• Roll overs allowed

In 2026, you can contribute up to $24,500 to these retirement accounts. Those 50 and older can contribute an additional $8,000, up to $32,500. Those 60 to 63 can contribute an additional $11,250, up to $37,750. This means that you can enroll in both plans and spread your contributions, however you choose, as long as the total of your contributions does not exceed these amounts. If you enroll in both a traditional 401(K) and a ROTH 401(K), you will receive an employer match on both accounts not to exceed 4% of annual wages for both accounts combined.

Roll Overs
If you wish to roll over 401(K), Roth 401(K) or IRA funds from a previous employer, see your HR Site Administrator to obtain and submit a Roll Over form.