Concordia Retirement Savings Plan Salary Deferral AgreementSalary Deferral Agreement • June 22nd, 2018
Contract Type FiledJune 22nd, 2018F Types of Contributions and Contribution Limits • You may elect to contribute to the CRSP on a pre-tax or after-tax Roth basis (or combination of pre-tax and Roth) up to the an- nual maximum allowed under the Internal Revenue Code. For the 2018 calendar year, the annual deferral maximum is $18,500 or 100% of your base salary, whichever is less.– If you will be age 50 or older this calendar year, you may elect an additional Catch-up contribution amount. For the 2018 calendar year, the maximum Age 50 Catch-up amount is $6,000.– If you have 15 or more years of service with entities associated with The Lutheran Church—Missouri Synod and elected to contribute Service Catch-up amounts prior to 2016, you may be eligible to contribute an additional Service Catch-up amount. For the 2018 calendar year, the maximum Service Catch-up amount is $3,000.– For more information on Catch-up contributions, visit our website at ConcordiaPlans.org/CRSP.• This Salary Deferral Agreement is a written agreemen