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401k & 457b

Town of Smithfield offers you a 401k Contribution Plan through the NC 401k plan administered by Prudential.

Prudential NC 401k Plan

Group #002003

Brochures about your coverage



NC 457 Plan

Brochures about your coverage

NC Retirement Plans Website

Customer Service
1-866-NCPLANS (toll free)
1-866-627-5267 (toll free)

Eligibility & Contributions


Eligible Employees

  • Full-time employees and Part-time employees working 20 hours or more per week
  • Eligible employees can contribute the first day of employment.



Town of Smithfield

  • Optional – Town matches up to 3% (pays mandatory 5% minimum for LEOs)



  • Employee contributions must be made in whole percentages only.
  • Minimum contribution = 1%
  • Maximum annual contribution is 80% of your gross salary or $17,000 if under age 50 for 2012.
  • If over age 50, catch-up contribution maximum of $5,500 for 2012.