Yes. To make your investment elections, you will need to log on to Fidelity NetBenefits^® at www.netbenefits.com/atwork, or call Fidelity at 1-800-343-0860 to register in order to obtain online account access. Registration is easy and should only take you a few minutes. If you are using TIAA for all or a portion of your contributions, you will need to assign beneficiaries and choose investments through their website, www.tiaa.org, or by calling TIAA at 800-842-2252.

Through automatic payroll deductions, you may contribute up to 100% of your eligible compensation as pretax contributions.
You can choose to direct 100% of your deferral election to one provider or split your deferral election to contribute a portion to each retirement provider. For example, you can elect to direct 50% to Fidelity and the other 50% to TIAA. Or you can elect any other split you prefer as long as the total equals 100%. If you are age 50 or older, you have the ability to make "catch-up contributions" to your plan, up to the current IRS dollar limits.

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 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.

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.

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

Eligible full-time and part-time employees who are at least 21 years of age after completing one year of eligible service and working 1,000 hours in a 12-consecutive-month period are eligible for a match. Emory Healthcare’s contributions are as follows:
Emory Healthcare (EHC):
1. All eligible employees receive an automatic 2% Emory Healthcare contribution even if they are not actively contributing to the 403(b) plan. The 2% Emory Healthcare contribution does not apply to Registry Employees.

2. Additionally, if any employee is actively contributing to the plan, the employee receives an added match based on years of service:
– 100% match on the first 4% if they have less than 10 years of service
– 100% match on the first 5% if they have 10 or more years of service.
The total annual EHC contribution opportunity is 7% of eligible pay upon attaining 10 years of service; 5% for Registry Employees.

For more information, please feel free to call Fidelity at 800-343-0860.

You are always 100% vested in your own contributions to the Emory Healthcare, Inc. Retirement Savings and Matching Plan.

If you received match in 2020 or earlier, this vesting schedule applies.
If you were hired before January 1, 2005, Emory Healthcare’s contributions to your account are 100% vested, as well as any earnings on them. If you were hired on or after January 1, 2006, Emory Healthcare’s contributions to your account vest according to the following schedule:

Years of Eligible Service	Vesting Percentage
Less than 3	0%
More than 3	100%

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 Emory Healthcare, Inc. Retirement Savings and Matching 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 Emory.

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.

If the idea of getting professional help to manage your investments appeals to you, your plan offers Target Date Funds. With Target Date Funds, the investment mix of stocks and bonds automatically becomes more conservative as the target retirement date approaches. Principal invested is not guaranteed at any time, including at or after the fund’s target date. Choose the fund that represents your anticipated year of retirement.

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.

If you have an account with TIAA, call 800-842-2252 or log in to your account at TIAA. org.

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.

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

If you have an account with TIAA, you can call 800-842-2252.

You are permitted to roll over eligible pretax and after-tax contributions from another 401(k) plan, Roth 401(k) plan, 401(a) plan, 403(b) plan, Roth 403(b) plan, governmental 457(b) retirement plan, or a Roth governmental 457(b) retirement plan account or eligible pretax contributions from conduit Individual Retirement Accounts (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). 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.

If you have an account with TIAA, call 800-842-2252 or log in to your account at TIAA. org.

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” icon, then select “Beneficiaries” and follow the online instructions.

If you have an account with TIAA, you can update your beneficiaries online at TIAA.org or call 800-842-2252.

Find information about managing your account and 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 Service Center1-800-343-0860.

If you have an account with TIAA, call 1-800-842-2252 or log into your account at TIAA.org.