About the Plan

Get to know the details and benefits of your plan, and explore ways to make it work harder for you.

We want to help you build a solid financial future.

KEEP YOUR ACCOUNT CURRENT

Designate a beneficiary.

Review account details, see your plan investments, use customized planning tools and much more.

Name your beneficiary

Your plan is a 457(b) deferred compensation plan available exclusively to Alameda County employees. With this plan, you get:

  • The ability to reduce your current taxable income. You decide how much to contribute, up to IRS-defined limits. When you select pre-tax contributions, you reduce your current taxable compensation. You may also contribute on a Roth after-tax basis.
  • Investment earnings that have potential to grow tax-deferred. Any earnings in your account are reinvested, where they'll maintain their ability to grow tax-deferred. Amounts typically are subject to income tax when withdrawn from the plan. Special rules apply to withdrawals related to Roth contributions.
  • A variety of investment options. You have the ability to diversify your investments for the mix of growth and safety you feel most comfortable with.
  • Portability. If you leave your job, you may be able to roll your account into another employer's eligible retirement plan, or a traditional or Roth IRA. You also have the option to leave your money in your plan account, or cash it out. If you cash out your account, the money you receive may be subject to income tax. Leaving your money in the plan has significant benefits. Click on the Personalized Guidance link to talk with one of your financial guidance professionals to learn more.

Features unique to a 457(b) plan:

  • Special catch-up contributions. If you are a longer-service employee, you may be able to contribute more than the general IRS limits. If you are at least age 50, you have two different ways to make catch-up contributions. Click on the Personalized Guidance link to talk with one of your financial guidance professionals to learn more.
  • Withdrawals from your 457(b) account (other than any rollover contributions made to a 457(b) plan sponsored by a governmental employer) are not subject to the IRS 10% premature distribution penalty tax. The plan documents below provide specific information on contributions, vesting, distribution options and more.

Plan Features—Ways to Help You Save

Asset AllocationGoalMaker®—Strategies to support your unique investing style

Take the guesswork out of choosing the right investment mix. Just answer three quick questions to find the portfolio that may be right for you.

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Another Way to SaveRoth Contributions—Federal tax-free withdrawals in retirement

You can make some or all of the contributions to your account on an after-tax basis. Any earnings on those contributions can be distributed federal tax-free in retirement.

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Alameda County Deferred Compensation Plan Plan Resources & Quick Actions

GET IN TOUCH

Get contact information for your financial guidance professionals & plan administrators.

View plan contactsGET IN TOUCH
SIGN UP FOR AN ACCOUNT

Manage your information, review your plan details and more.

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LOG IN TO YOUR ACCOUNT

Manage your information, review your plan details and more.

Log in to your accountLOG IN TO YOUR ACCOUNT