CAES Match Maximizer Tool



This tool is designed to help you maximize your employee (Before-Tax/Roth) contributions, Employer Match and Catch-Up contributions (if applicable) to your 401(k) plan. It does so by taking into account your total eligible compensation, your monthly deferral amounts, and your Employer Match. Changes that you make to increase or decrease your deferral contributions during the plan year may affect your ability to properly maximize the amount of your Employer Match.

We recommend that you consider different scenarios, modeling the impact of increases or decreases to your 401(k) contribution election, assumed annual compensation, or other inputs.

2024 401(k) Plan and IRS Limits

Before-Tax/Roth Contribution Limit$23,000 is the 402(g) contribution limit set by the IRS on the combination of Before-Tax and Roth contributions.	$23,000*
Total Contributions Limit (employer and employee)$69,000 is the 415(c) contribution limit set by the IRS.	$69,000**
Maximum Eligible Compensation$345,000 is the 401(a)(17) annual compensation limit set by the IRS. for the 401(k) Plan	$345,000
Catch-Up Contribution Limit$7,500 is the 414(v) contribution limit set by the IRS. (employees age 50 or older during the 2024 calendar year)	$7,500

   *  Contributions from Before-Tax and Roth cannot exceed 85% of eligible compensation.
   ** Catch-Up contributions do not count against this limit.

For More Information
If you have any questions about the plan, please contact Fidelity at 800-835-5098.

From overseas, get an AT&T Direct® access number by visiting www.att.com/traveler, by calling 1-800-331-1140 for a list of country codes, or by asking the local operator. After you dial your AT&T Direct access number, enter 877-833-9900 to reach Fidelity.