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Retirement Benefits

Ingredion offers a 401(k) plan, administered by Fidelity, to help you plan for retirement.

If you haven’t thought about retirement savings, use the momentum from Open Enrollment to check your plan parameters. Ingredion offers a 401(k) plan, administered by Fidelity, to help you plan for retirement. Ingredion matches your contribution at 100% for the first 6% you contribute to your account on a pre-tax or after tax basis. You have the option to adjust your contribution rate from 1–75% of your pay or opt out of the plan.

If you were hired January 1, 2015 or after, the company will also provide you with an annual contribution of 3% of your base pay.

You are always 100% vested in your own contributions to the plan, as well as any earnings on them. You are 100% vested in the company’s contributions after three years of continuous service.

The IRS sets annual maximums that participants are allowed to contribute on a pre-tax basis. The maximum for 2023 is $22,500. If you are age 50 or older, you may contribute an additional $7,500 per year.

Although nothing is required during Open Enrollment, take some time now to check your beneficiary designations, contribution rates and investment directions. 401(k) beneficiary designations should be made online at or by contacting Fidelity Investments at 800-835-5091.

Understand 401k Plan Loans

Attend the below workshop that will outline the different ways you can borrow or withdraw money from your workplace savings plan, help you determine if a loan or withdrawal is right for you, and provide strategies for keeping your financial goals on track for the future.  Also review "3 Things to Know About 401k Loans" (under resources).​

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