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401(k) Plans A 401(k) plan is a qualified deferred compensation plan which enables you to save money, lower taxes, and invest in your financial future. Under a 401(k) plan, your elective contributions are made on a before tax basis; that is, the amount deferred will be excluded from your taxable income. This may currently lower your taxes. The following are some advantages of our 401(k) plan. Elective deferrals are voluntary and the amount you contribute is up to you. (Federal law limits the deferral to 25% of salary or $10,500, whichever is less Deferrals are made before tax; therefore, you pay less in Federal and State income taxes Earnings and income are not taxed until the money is distributed from the plan. When you receive your retirement benefit you may be in a lower tax bracket than you are currently.