You are immediately eligible to enroll in the Plan. You must be 18 years of age or older to do so.

If you have not enrolled in the Plan within 90 days of your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 5% of your pretax eligible earnings. Your contributions will be invested in the Fidelity Freedom Index Commingled Pool Class T that has a target retirement date closest to the year you might retire based on your current age, assuming retirement at age 65 as determined by the Plan Sponsor. 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 90 days of your employment on Netbenefits^® or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015. You may change your contribution rate at any time.

Please note: If you are a rehire, you will not be automatically enrolled in the plan. Please contact Fidelity to enroll in the plan.

Through automatic payroll deduction, you may contribute up to 50% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015.
You can request to change your contribution amount virtually any time online or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015.

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 1-800-890-4015 or by going online and indicate your preferences.

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 50% 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^®.

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.

You make catch-up contributions through payroll deduction, the same way you make regular contributions.

The IRS contribution limit for 2025 is $23,500.

The Company helps your retirement savings grow by matching your contributions.

The Company will match 100% of each pretax and/or Roth dollar you contribute on the first 5% of pay that you defer to your Plan.

You are immediately 100% vested in your own contributions to the Retirement Savings Plan, as well as in any of the Company's matching contributions and any earnings on them.

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 36 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.

Although your plan account is intended for the future, you may borrow from your account for any reason.

Only 2 loans are allowed at a time, one of which can be a home loan.

Learn more about and/or request a loan online, or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015.

Withdrawals from the Plan are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have severe financial hardship as defined by your Plan.

When you leave the Company, 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 the Company, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you.

You are permitted to roll over eligible pretax and Roth contributions from another 401(a) plan (e.g. 401(k)), 403(b) plan, governmental 457(b) retirement plan, conduit Individual Retirement Account (rollover IRAs) and certain non-conduit individual retirement accounts (traditional IRAs, Simplified Employee Pension plans, and "SIMPLE" IRA distributions made more than two years from the date you first participated in the SIMPLE IRA). You may also roll over eligible after-tax contributions from a 401(a) or 403(a) 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. Call the Fidelity Retirement Benefits Line at 1-800-890-4015 or log on to Fidelity NetBenefits^® for details.

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.

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 Retirement Benefits Line at 1-800-890-4015.