collapsed, click to expand | When can I enroll in the Plan? |
There is no waiting period. You can enroll in the Plan at any time.
If you have not enrolled in the Plan within 60 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 4% of your pretax eligible compensation.
Based on your date of birth and assuming a retirement age of 65, you will be invested in the T. Rowe Price Retirement Fund, with a corresponding target retirement date. Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.
We encourage you to take an active role in the Plan and to choose a contribution rate and investment options that are appropriate for you. If you do not wish to contribute to the Plan, you must change your contribution rate to 0% within the first 60 days of your eligibility. You may change your contribution rate at any time online, or by calling the Fidelity Investments at 1-877-543-2673.
collapsed, click to expand | How do I enroll in the Plan? |
Enroll online at any time, or by calling the Fidelity Investments at 1-877-543-2673.
collapsed, click to expand | When is my enrollment effective? |
Your enrollment becomes effective once you elect a deferral percentage, which initiates deduction of your contributions from your pay. These salary deductions will generally begin with your next pay period after we receive your enrollment information, or as soon as administratively possible.
collapsed, click to expand | How much can I contribute? |
Through automatic payroll deductions, you may contribute up to 80% of your eligible pay on a pretax or Roth basis, up to the annual IRS dollar limits ($23,500 in 2025). In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. Sign up online by accessing the “Contribution Amount” section on NetBenefits®, or by calling Fidelity Investments at 1-877-543-2673. You may also contribute up to 80% of your after-tax pay.
collapsed, click to expand | What is the Annual Increase Program (AIP)? |
Plan participants will automatically be enrolled in the Annual Increase Program – a convenient way to help boost workplace savings contributions on a regular basis to keep on track to meet your retirement goals. Each year, plan participants contributing less than 10% will see their contribution rate increase by 1% until they reach the 10% employee contribution threshold, unless they elect otherwise. If you would prefer to elect an annual increase percentage different from the designated 1%, or if you elect not to participate in the Annual Increase Program, please contact Fidelity at 1-877-543-2673 or by going online and indicate your preferences.
collapsed, click to expand | What is the Roth contribution option? |
A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings completely tax free at retirement - as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 401(k) contribution and after you have attained age 59½, or become disabled or die. Through automatic payroll deduction, you may contribute between 1% and 80% of your eligible compensation as designated Roth contributions, up to the annual IRS dollar limits.
Find more information online within the "Plan & Learn" drop down and "Learn" section of NetBenefits®.
collapsed, click to expand | What is a Roth In-Plan Conversion? |
Roth In-Plan Conversion options are available in the CoreLogic, Inc. 401(k) Savings Plan. This option provides you with the opportunity to convert all, or a portion of your non-Roth assets to Roth assets. The amount eligible for conversion, may include all of a participant’s vested assets, including both eligible contributions and related earnings.
Special tax rules apply to Roth In-Plan Conversion options and are an important consideration in determining whether to do such a conversion. Generally, the taxable amount of a conversion is determined as if the converted assets were distributed to you from the Plan, although the assets will only be transferred to the Roth portion of your account and no amount will actually be paid from the Plan. The taxable amount (determined as if actually distributed to you) is taxable to you in the year of the conversion and should be reported on your income tax return for that year. For more information related to the tax consequence of a conversion, you should consult your tax or financial advisor before undertaking such a conversion. You may contact the Fidelity Investments at 1-877-543-2673 to process a Roth In-Plan Conversion.
collapsed, click to expand | How do I make a Roth In-Plan Conversion? |
Call Fidelity at 1-877-543-2673. Representatives can answer your questions, review available opportunities for conversion, process a Roth In-Plan Conversion, or help you set up automated Roth In-Plan Conversions. Some of the benefits of setting up automated after-tax conversions:
- Simplifies the process by not having to remember to call Fidelity every time you want to convert.
- Limits your future tax consequences.
collapsed, click to expand | What catch-up contribution can I make? |
If you have reached age 50 or will reach 50 during the calendar year January 1 – December 31 and are making the maximum plan or IRS contribution, you may make an additional catch-up contribution each pay period. The maximum annual catch-up contribution is $7,500. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.
Starting in 2025, the SECURE 2.0 Act increases the limit for you if you have attained age 60, 61, 62, or 63 in a given calendar year. The limit for 2025 is $11,250.
If, at the end of the calendar year, your regular pretax or Roth contributions do not exceed the plan contribution limit or the IRS annual dollar limit, some or all of your catch-up contributions will be recharacterized as regular pretax contributions.
collapsed, click to expand | What is the IRS contribution limit? |
The IRS contribution limit for 2025 is $23,500.
collapsed, click to expand | Does the Company contribute to my account? |
The Plan helps your retirement savings grow by matching your contributions. Your Company will match 50% of the first 6% you contribute to the Plan. An additional discretionary match may be considered based on Company performance.
collapsed, click to expand | When am I vested? |
You are 100% immediately vested in your own contributions to the Plan. After one year of service, you are also 100% vested in the Company's matching contributions.
collapsed, click to expand | What are my investment options? |
To help you meet your investment goals, the Plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. The many investment options available through the Plan include conservative, moderately conservative, and aggressive funds. A complete description of the Plan’s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online.
collapsed, click to expand | What if I don’t make an investment election? |
We encourage you to take an active role in the CoreLogic, Inc. 401(k) Savings Plan and choose investment options that best suit your goals, time horizon, and risk tolerance. If you do not select specific investment options in the Plan, your contributions will be invested in the T. Rowe Price Retirement Fund with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of CoreLogic, Inc.
If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the T. Rowe Price Retirement 2005 Fund. More information about the T. Rowe Price Retirement Fund options can be found online.
Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.
collapsed, click to expand | What are the managed account options in my plan? |
Fidelity® Personalized Planning & Advice ("The Service")
Fidelity® Personalized Planning & Advice is a retirement goal based managed account service with a team of portfolio managers who manage the investments in your workplace savings plan account. Based on your unique needs and goals, our team of professionals will create a plan that considers your total financial situation, put the plan into action, and work for you putting in the time, resources, and knowledge needed to keep you on track for retirement.
This includes:
collapsed, click to expand | Can I take a loan from my account? |
Although your plan account is intended for the future, you may borrow from your account for any reason.
Learn more about and/or request a loan online, or by calling the Fidelity Investments at 1-877-543-2673.
collapsed, click to expand | Can I make withdrawals? |
Withdrawals from the Plan are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have a severe financial hardship, as defined by your plan.
In addition, you may withdraw, for any reason, any rollover money you may have in the Plan.
When you leave the Company, you can withdraw your account or, if your account balance is greater than $1,000, you can leave your account in the Plan. If your account balance is $1,000 or less after you leave the Company, it will automatically be distributed to you.
collapsed, click to expand | Can I move money from another retirement plan into my account in the CoreLogic, Inc. 401(k) Savings Plan? |
The Plan will accept taxable money from the following types of employer-sponsored plans: 401(a)/401(k), Roth 401(k), IRA Conduit, Pension/DB Plan, SIMPLE IRA, Spousal Beneficiary. In addition, the Plan will accept: conduit IRAs (rollover IRAs). Taxable money is defined as pretax contributions (employee and employer), earnings on pretax contributions, and taxable earnings on after-tax contributions from your previous employer's plan. A conduit IRA is one that contains only money rolled over from an employer-sponsored retirement plan that has not been mixed with regular IRA contributions. Contact Fidelity Investments at 1-877-543-2673 for details. You should consult your tax adviser and carefully consider the impact of making a rollover contribution to your employer's plan because it could affect your eligibility for future special tax treatments.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
collapsed, click to expand | How do I designate my beneficiary? |
If you have not already selected your beneficiaries, or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your beneficiary designations. Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile & Settings” icon in the upper right-hand corner, then select “Beneficiaries” and follow the online instructions.
collapsed, click to expand | Where can I find information about exchanges and other plan features? |
Learn about loans, exchanges, and more online. In particular, you can access loan modeling tools that illustrate the potential impact of a loan on the long-term growth of your account. You will also find a withdrawal modeling tool, which shows the amount of federal income taxes and early withdrawal penalties you might pay, along with the amount of earnings you could potentially lose by taking a withdrawal. Additional information can be obtained by calling the Fidelity Investments at 1-877-543-2673.