If you have not enrolled in the Plan within 35 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 6% of your pretax eligible earnings. Your contributions will be invested in the Vanguard Target 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 St. Charles. However, 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 35 days of your Employment. You may change your contribution rate at any time online or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

Enroll online at any time, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

Through automatic payroll deductions, you may contribute up to 100% of your eligible compensation as pretax contributions. Employees determined to be highly compensated may have additional limitations. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. This program increases your contributions 1% annually, to help to ensure continued progress toward meeting your future goals. You can opt out of the Annual Increase Program at any time online, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

Roth contributions will be available in your retirement savings plan which can allow 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 403(b) contribution and after you have attained age 59½, or become disabled or die. Through automatic payroll deduction, you can contribute between 1% and 100% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.

For more information please select "Learn" from the home page.

If you are under age 50, the IRS contribution limit for 2025 is $23,500. If you will be at least age 50 during the year, your plan may allow you to defer an additional $7,500 as catch-up contributions.

St. Charles will match 100% of each pretax and/or Roth dollar you contribute to the plan, up to 6% of pay.

The Match is available to (a) all benefit eligible positions; and (b) any non-benefitted position who works 1,000 hours or more in a plan/calendar year. Once a non-benefitted position becomes eligible for the match they remain eligible (i.e. the eligibility criteria is not re-evaluated in subsequent years). You must normally work 20 hours per week.

Note, on-call and relief caregivers are not eligible for the match regardless of hours worked.

You are always 100% vested in your own contributions to the St. Charles Retirement Plan, as well as any earnings on them. St. Charles' matching contributions and any earnings vest according to the following schedule:

Years of Service*	Vesting
0-1	0%
1-2	0%
2-3	25%
3-4	50%
4-5	75%
5-6	100%

You must work at least 1,000 hours in a calendar year to be credited with that year of service for vesting.

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.

We encourage you to take an active role in the St. Charles Retirement 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 Vanguard Target 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 St. Charles.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the Vanguard Target Retirement Income Fund. More information about the Vanguard Target 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.

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 Retirement Service Center at 1-800-343-0860.

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, or the Plan is terminated.

When you leave St. Charles, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $1,000, you can leave contributions and any associated earnings in the Plan. After you leave St. Charles, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you. However, if your vested account balance is greater than $1,000, but not more than $7,000, you may be notified that your entire vested account balance will be transferred to an Individual Retirement Account (Rollover IRA), unless you request either a cash distribution and/or a rollover distribution.

Learn more about and/or request a withdrawal online, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

You are permitted to roll over eligible pretax or Roth contributions from another 401(a), 403(a), 403(b) account or eligible pretax contributions from a Non-conduit IRA, Traditional IRA, or conduit IRA. 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

Additional information can be obtained online, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

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.