We accept traditional before-tax and Roth after-tax contributions, giving you flexibility and more control over when your contributions will be taxed. There are advantages to both Roth after-tax contributions and traditional pre-tax deferrals.

The other way to save is through the PERSI Choice 401(k) Plan, which is an optional pre-tax deferral. The attached table highlights some of the key differences between the State of Idaho 457 (b) Traditional and Roth options and the PERSI Choice 401(k) plan.