PTO Exchange Retirement Contributions Brochure

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Retirement
Consistent contributions to retirement accounts are good for the employee and employer alike. With PTO Exchange, employees can use the value of unused vacation/leave to make additional contributions to their 401(k) account. 

Employers benefit through improvements in productivity, attendance, and engagement.

Contributions initiated through the PTO Exchange platform can be made as pre-tax or post-tax (Roth) elective deferrals.
When choosing to make a 401(k) contribution using PTO, employees need to keep in mind the amount they have elected to contribute each pay period then fill the gap with unused PTO.

Benefits of Using PTO Exchange for Retirement Savings Contributions:

• Increase employee participation

• Provide more ways for employees to improve their financial wellness

• Allow more employees to reach their 401(k) contribution limit

• Give employees additional options to avoid hitting their PTO accrual

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Ready to Modernize Your PTO Program?

Unused vacation doesn’t have to go to waste. With PTO Exchange, you can turn unused PTO into a strategic benefit—helping employees support their families, reduce debt, save for retirement, or simply gain peace of mind.

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