401(k)

At TQL, employees are eligible to participate in the 401(K) retirement plan on the first day of the month following their start date. They must be 21 years of age to participate. TQL employees may participate in a Standard 401(K) (pre-tax deductions) or a Roth 401(K) (after tax deductions).

An employee may contribute 1% to 60% of your eligible compensation up to the maximum amount per year. At time of publication the IRS maximum for 2025 is $23,500. TQL may match up to half of the first 6% an employee contributes (not to exceed 3%).

To be eligible to receive matching contributions, an employee must complete 1,000 paid hours of service during the plan year and be employed on the last day of the plan year.

To enroll in 401(k), or make contribution adjustments visit empowermyretirement.com

Or, call Empower at 1-800-338-4015 to get started.

Please note: It can take 7-10 days from your hire date for your information to become available in the 401(k) database.

If you need assistance accessing your account, call an Empower Retirement Participant Service Representative at 844-465-4455 between 8:00AM – 10:00PM ET any business day, and Saturdays between 9:00AM- 5:30PM ET.

Does our Plan Accept Rollovers?

Our plan does accept rollovers from other qualified plans.
We recommend calling Empower and speak to a Rollover Specialist at 1-888-737-4480 Option 3 Monday through Friday between 9:00 a.m. to 10:00 p.m. ET.

Contact Information

Plan Financial Advisor:

An additional resource to assist you with retirement saving and investment strategy.

Luke I. Costello, CRPS Morgan Stanley Graystone

Toll Free: 1-833-362-0304

Email: retirementguidance@morganstanley.com

TQL Plan Administrator:

Kathryn Pravel l Director of Payroll and Benefits l

401(k) Plan Administrator Office: 513-495-1450 option1

Email kpravel@tql.com

Thinking of Taking a Loan? (Video)

Market Volatility – Tips and Resources

2025 Education Schedule with QR Code
Market Volatility Brochure
Secure Act 2.0 Catch Up Contributions
401k FAQ
Enrollment Guide
Empower TQL Mobile App