New Mexico

Retirement and 401k

A best-in-class 401(k) Retirement Plan

 Offered by Fidelity to help employees save and invest for future financial goals.

The Plan allows for employees to save on a pre-tax, Roth and after-tax basis. Diverse, low-cost investment options are available.

401(k)

The Lab offers employees a 401(k) retirement plan that allows you to save and invest a piece of your paycheck before taxes are taken out. Taxes are not paid until the money is distributed to you. Employees that meet the annual pre-tax contribution limit can elect to continue contributions on an after-tax basis.

Roth 401(k)

LANL offers a Roth 401(k) retirement savings option to employees who participate in the LANL 401(k) Retirement Plan. The Roth 401(k) option differs from a traditional 401(k) in two specific ways:

  • Contributions are made on an after-tax basis.
  • There are limits on when withdrawals from the account may begin after retirement.

Company match

The Lab will match your contributions to the 401(k) and Roth 401(k) up to 6% of your eligible compensation per pay period.

You may contribute 1% to 50% of your eligible compensation towards those plans if you choose, but the dollar-for-dollar match is limited to 6% of your eligible compensation and will be made on a pre-tax basis regardless of the plans (or combination of plans) to which you contribute.

Non-elective employer contribution

In addition to the company match, you will also receive an annual non-elective employer contribution to your 401(k) plan. The amount of the non-elective employer contribution is based on your years of service and your eligible compensation:

0 to <5 years3.5% LANL contribution
5 to <10 years4.5% LANL contribution
10+ years5.5% LANL contribution

For specific information regarding annual contribution limits, visit the IRS website

401(k) and Retirement Contacts 

Triad

Triad 401k

WebsiteFidelity NetBenefits
Member Services800-835-5095

Triad Pension - AON

WebsiteYour Pension Resources
Member Services866-370-7301
650-351-8517 (international)

University of California

UC's Capital Accumulation Payment (CAP)

WebsiteMy UC Retirement
Member Services800-888-8267

UC 457(k) & 403(b)

WebsiteFidelity NetBenefits
Member Services800-343-0860

Social Security

Social Security

U.S. Social Security
Administration

Phone: 800-772-1213
Website

Local Office (Santa Fe)866-571-8130

Contact Us

Benefits Office