401(k) Savings Plan
Build the future you want through Gong's Fidelity retirement plan.
Your guide
Set up and grow your account
Open each section for enrollment, limits, investment choices, and advanced savings.
What is a 401(k)?A retirement savings plan funded from your paycheck
A 401(k) is a retirement savings plan that lets you save part of each paycheck. You can choose traditional pre-tax contributions or Roth contributions, and your money is invested so it can grow over time. Gong's 401(k) is through Fidelity.
Video: What is a 401(k)?
Open on VimeoEligibility and enrollmentImmediate eligibility for U.S. Gongsters age 18+
Register through Fidelity NetBenefits to set your contribution rate, choose investments, and name beneficiaries. If you do not enroll or waive during your first month, you are automatically enrolled at a 4% pre-tax contribution rate.
Visit NetBenefitsPlan number 85011 · Fidelity: (800) 835-5097.
Contribution choices and limitsTraditional pre-tax, Roth, and catch-up contributions
Traditional contributions reduce taxable income now; taxes apply to principal and earnings when withdrawn. Roth contributions are made after tax, and qualified retirement distributions are tax-free.
2026 limits
- Standard employee limit
- $24,500
- Age 50+ total with catch-up
- $32,500
2027 limits (projected)
- Standard employee limit
- $25,500
- Age 50+ total with catch-up
- $33,500
Age is determined as of December 31; eligibility for the catch-up category begins January 1 of that year.
Investments and account toolsDefault funds, BrokerageLink, loans, and planning
- If you do not choose investments, contributions default to the Fidelity Freedom Target Date Index Fund closest to your expected retirement year.
- Use NetBenefits or its mobile app to change deferrals and investments, review performance, request a loan, rebalance, and view statements.
- The Asset Allocation Tool can recommend a strategy using your broader portfolio.
- Fidelity BrokerageLink offers investments beyond the core lineup; fees apply.
- Gong pays plan administrative fees. Other investment or transaction fees may apply.
After-tax contributions — coming in 2027Save up to $75,000 total and convert to Roth
Starting in 2027, Gong's Fidelity 401(k) adds an after-tax contribution option. It lets you save beyond the standard pre-tax/Roth limit and then convert those dollars into your Roth 401(k) — often called a "Mega Backdoor Roth."
2027 limits (projected)
- Standard contribution limit (pre-tax and/or Roth)
- $25,500
- After-tax contribution limit
- $49,500
- Total 401(k) limit
- $75,000
Key benefits
- Save well beyond the standard $25,500 limit — up to $75,000 total in 2027.
- Convert after-tax dollars into your Roth 401(k), where future earnings grow tax-free.
- Qualified Roth withdrawals in retirement are tax-free.
- No additional cost to you.
How to set it up
- Make your election in Fidelity. Sign in to NetBenefits and elect your after-tax contribution rate alongside your standard 401(k) elections.
- Set up the in-plan Roth conversion. Call the Fidelity Service Center directly at 1-800-835-5097 to set up the conversion of your after-tax funds into your Roth 401(k).
Important: ask for automated daily conversion
When you call Fidelity, be sure to request automatic daily in-plan Roth conversion. This converts each after-tax contribution right after it's deposited, so earnings don't build up in the after-tax bucket — those earnings would be taxable when converted.
Video: Gong x Fidelity After-Tax 2027
Open in Google DriveNot sure if it's right for you? It makes the most sense once you've maxed your standard contributions. Consider speaking with a financial advisor.