Financial Wellness

401(k) retirement Plan

principal

Employees are automatically enrolled in Liberty Energy’s 401(k) plan through Principal upon hire.

2026 IRS contribution limit: $24,500
Age 50+: Additional $8,000 catch-up contribution
Ages 60–63: Additional $11,250 super catch-up contribution
Employees earning over $150,000 in 2025 must make catch-up contributions as Roth after-tax contributions
Contribute on a pre-tax and/or Roth basis, up to IRS limits
Liberty Energy matches up to 6% of eligible pre-tax contributions
Contribution and investment changes can be made directly through Principal

The plan offers a variety of investment options, and you may make investment changes daily, subject to certain fund restrictions or fees.

Understanding Your 401(k) Loan option

Our retirement experts have created a Liberty-specific educational video, based on questions we often receive about our 401(k) plan.

Loans against your 401k

Prime rate + 1% interest
Take up to 50% of your vested account balance
60 days to pay back after your departure from LBRT

Updating Beneficiaries

Keep your retirement plan beneficiaries up to date. Visit principal.com/legacy to review and update your beneficiaries.

Banzai! Financial Wellness

Liberty Energy has partnered with Banzai! Financial Wellness to bring you clear, in-depth lessons to help you dive into the financial topics you care most about. Learn more about saving money, investing, budgeting, retirement, taxes and how to prepare for future life changes – such as having a baby! Visit libertyenergy.banzai.org/wellness to get started!

SMARTMap Financial Wellness

Liberty Energy partners with World Advisors to offer SMARTMap, where employees have access to quick, interactive financial wellness courses organized into short modules (most take about 5 minutes to complete). Topics can be selected based on individual interests and goals, including managing debt, saving for retirement, buying a home, and saving for education. You can also match with a Financial Advocate to answer questions, schedule a Foundational Planning Call, or help check in to make sense of your financial goals. Visit smartmap.worldadvisors.com/university to get started!