CMC Retirement Plan

Commercial Metals is Invested in Your
Future and We Want You to Be Too

The CMC Retirement Plan offers you a Company match, an annual discretionary Supplemental Contribution and variety of investment options. Plus, the Plan has some additional features, like automatic increases, designed to help you grow your savings a little more each year. Read the guide to learn more.

Your Contributions

When you make your elections, you can save in one, or a combination of the following ways (save from 1% to 50% of your pay, up to IRS limits):

  • ‍Pre-tax 401(k) contributions, which are deducted from your pay before federal income taxes are withheld. That means you’re taxed on a smaller amount of money, so you’ll pay less in taxes today. You pay taxes on these contributions and earnings when you withdraw the money from the Plan.

  • ‍Roth after-tax 401(k) contributions, which are deducted from your pay after federal income taxes are withheld. Investment earnings on the Roth after-tax contributions are never taxed. Certain restrictions apply. Review the Qualified Distribution section in the guide to learn more.