Retirement Savings

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Last updated date: 9/28/2023

The Carlisle, LLC Employee Incentive Savings Plan (CEISP) is the simple, rewarding way to save for your future.


Carlisle helps you prepare for retirement with the easy-to-use, tax-advantaged Carlisle, LLC Employee Incentive Savings Plan (CEISP) .

Key advantages

Company contributions

Carlisle contributes to your account to help your savings grow faster.

Current tax savings

You’ll pay less in income taxes when you make pretax contributions from your paycheck.

Tax-deferred investment growth

Pretax contributions let your money grow without being taxed until you withdraw it.

Wide range of investment options

You choose how you want to invest your money.

Eligibility and enrollment

You are eligible to enroll in the Carlisle, LLC Employee Incentive Savings Plan (CEISP) as a full-time employee. Part-time employees are eligible if they are paid by Carlisle for 1,000 hours or more during the first full year of employment or for any calendar year.

If you don’t enroll or opt out within your initial eligibility period, you will be automatically enrolled at a 3% deferral election. You may change your contribution rate and investment elections at any time by visiting the Principal website or calling 800-547-7754.



Get started by visiting the Principal website to view plan details and access forms and documents.



Log in to your Principal account to see your balance and use planning tools and calculators.



Easily change your contribution rate, investment selections, or beneficiary on the Principal website.

Your Contributions

You may contribute between 1% and 50% of your eligible pay to your plan account, up to annual IRS limits, on a pretax or Roth basis. You may also contribute on an after-tax basis, but the total deferral percentage of pretax + Roth + after-tax cannot be more than 50%.

2024 contribution limits

  • $23,000 if you’re under age 50
  • $30,000 if you are age 50 or older this year (which includes an additional $7,500 in catch-up contributions)

These limits include your pretax contributions, Roth contributions, or a combination of both. You also have the option of contributing to the plan with after-tax money, up to 50% of your eligible pay.

Pretax vs. Roth: What’s the difference?

The Carlisle, LLC Employee Incentive Savings Plan (CEISP) gives you the flexibility to save for retirement with pretax contributions, Roth after-tax contributions, or both.

  • With pretax contributions – the money goes into your account before taxes are deducted, so you keep more of your take-home pay.
  • With Roth contributions – the money goes into your account after taxes are withheld, but both your contributions and any associated earnings can be withdrawn tax-free in retirement.*

*In order for Roth earnings to be withdrawn tax-free, you must be at least 59½ (or the withdrawal follows death or total disability), and at least five years must have elapsed since your first Roth contribution.

Catch up!

If you’ll be 50 or older this year, take advantage of the opportunity to contribute up to an additional $7,500 in catch-up contributions.

Boost your retirement income with HSA savings

If you’re enrolled in the Carlisle HSA with a Health Savings Account (HSA), you can invest the money in your HSA to build long-term savings for retirement! An HSA is a tax-free way to save money and maximize how much of your 401(k) or other retirement accounts can be used to support your lifestyle.


Vesting is another way of saying “how much of the money is yours to keep if you leave the company.”

You are immediately 100% vested in your own contributions and the company’s contributions to your account (made on or after January 1, 2007), including any investment gains and losses on these contributions. This means you own all the money in your account right away.

Name a Beneficiary

It’s important to designate a beneficiary to receive the value of your Carlisle, LLC Employee Incentive Savings Plan (CEISP) account in the event you die before beginning to receive your benefit. As personal circumstances change, be sure to keep that information up to date. Visit the Principal website to add or change your beneficiary.

Withdrawals and Loans

The money in your account is a long-term investment to help you prepare for your financial needs in retirement. However, under certain circumstances, you may be able to access money from your account before reaching retirement age. For more information, visit the Principal website or call 800-547-7754.

Think before you act

  • If you’re considering taking a withdrawal or loan from your plan account, be sure to think about the impact it may have on your future. Taking money from your account now may lead to a smaller savings balance when you retire.
  • Not only are you taking money away from your retirement savings, but the burden of repaying the loan may make it harder to get back on track.
  • If you take a loan, you’ll also lose more money to taxes because the interest payments on your loan are made with money that has already been taxed, and it will be taxed again when withdrawn from your account.
  • If you withdraw pretax money from your plan account, in addition to paying current taxes on the money, you may have to pay an additional 10% penalty tax if you are younger than age 59½ (or, age 55 if you have retired or left the company).

Employee Stock Purchase Plan

As an employee of Carlisle, you have the opportunity to share in our Company’s financial future through the ownership of company stock.

The Employee Stock Purchase Plan lets you buy shares of Carlisle common stock at market price through convenient payroll deductions, adding a potentially valuable component to your long-term savings. Participation is optional.

Key advantages

The Employee Stock Purchase Plan can help support your financial goals in a variety of ways, including:

Company ownership.

The plan enables you to participate in Carlisle ownership by becoming a shareholder.

Saving made easy.

Through after-tax deductions each pay period, you’ll regularly — and very simply — set aside money to invest in Carlisle common stock.

Eligibility and enrollment

The Plan provides for monthly purchases and you may enroll at any time, with such enrollment effective the next available pay period (“Purchase Period”). Your participation may be delayed based on the timing of the payroll cycle. Once you enroll, the contribution amount you select is deducted automatically from your paycheck each pay period. You may contribute any whole dollar amount equal to $10 or more.

Payroll deductions will accumulate in a non-interest bearing account held by Equiniti, the Plan Administrator. The accumulated balance will be used to purchase shares on the investment date.

After the end of each Purchase Period, your account balance will be used to buy Carlisle Common Stock at market price. All shares purchased will be held in your name by the Plan Administrator. You may sell your shares at any time subject to the terms of the Plan. The tax consequences of selling your shares depend on the length of time that you hold them.

No brokerage fees will be charged for these purchase transactions.

To learn more or enroll, visit the Equiniti website or call 866-709-7704.

Check our stock

Get the latest information on Carlisle stock (NYSE ticker symbol: CSL).

Tools & Resources

Take an active role in your retirement planning with these helpful tools and resources.


Retirement calculator

Estimate how much you may need and how much you may have for retirement.


Retirement wellness planner

Log in to see your personalized Retirement Wellness Score based on your current retirement savings.


Principal website

Access additional tools and educational materials on your plan website to help you make informed investment decisions.

Before investing, carefully consider the funds’ or investment options’ objectives, risks, charges, and expenses. Call 800-547-7754 for a prospectus and, if available, a summary prospectus, or an offering circular containing this and other information. Please read them carefully. Investing involves risk, including the risk of loss.