How do I enroll in Alto’s 401(k) Retirement Savings Plan?

Alto offers a Retirement Savings Plan (401(k)) to help eligible employees build long-term financial security through convenient payroll contributions and company matching.

This plan is administered through Empower Retirement and allows you to save for retirement with both pre-tax and Roth options.

Who Is Eligible?

You are eligible to participate if you:

• Are at least 21 years old

• Have completed at least 6 months of service with Alto

Eligible employees may enroll monthly.

Employer Matching

If you choose to contribute, Alto matches:

• 100% of your contributions up to 4% of your earnings

Example:
If you earn $100 and contribute $4, Alto will contribute an additional $4.

Employer matching contributions are immediately 100% vested.

Contribution Options

You may contribute using:

Before-Tax Contributions

• Contributions are made before taxes

• Taxes are paid when funds are withdrawn

Roth Contributions

• Contributions are made after taxes

• Qualified withdrawals are tax-free

Annual Contribution Limits (2026)

• Up to $24,500 per year

• Additional catch-up contributions may apply based on age

How to Enroll ?