There is no waiting period. You are eligible to participate in the Plan at any time if you are not:

• covered by a collective bargaining agreement (unless the agreement specifically provides for you to be covered by the Plan)


• a nonresident alien who does not receive any earned income from your Employer


• an intern

Your plan has an automatic enrollment feature. 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 3% pretax contribution rate.

Based on your date of birth and assuming a retirement age of 65, you will be invested in the Capital Group Target Retirement Trust^SM (US) Class U3, 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.

If you are auto enrolled you will receive a notification indicating when deferrals will begin to be made on your behalf. 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 would prefer to elect not to participate at this time or to specifically elect a contribution rate and/or investment options, you may change your contribution rate at any time online, or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015.

Enroll online, or by calling the Fidelity Retirement Benefits Line at 1-800-890-4015.

Through automatic payroll deduction, you may contribute between 1% and 50% of your eligible pay on a pretax or Roth 401(k) basis.

A Roth contribution to your 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 can contribute between 1% and 50% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.

Find more information online within the “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.

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.

SS&C Technologies may make a discretionary pretax matching contribution equal to 100% of the first 6% of your contributions, up to a maximum of $8,000 annually to your account.

To be eligible for discretionary matching contributions you are required to make employee pretax or Roth 401(k) deferral contributions. The Plan will match on the combined total of these contributions up to the matching limit. For purposes of determining your matching contributions under the Plan, your pretax contributions will not include age 50 and over catch-up contributions.

SS&C Technologies provides an annual “true-up” contribution to ensure you receive the maximum company match when computed on an annual versus payroll period basis. The “true-up” feature allows you greater flexibility when determining the contribution strategy that is appropriate to your individual situation while ensuring that you receive the maximum annual match on your contributions.

The amount of matching contribution each Plan participant is entitled to will be calculated using the employee’s eligible compensation for the plan year. If the participant should have been entitled to the full company match based on their annual deferrals into the Plan, but received less because of timing of the deferral, a “true-up” contribution will be calculated.

The calculation of the "true-up” will be completed annually after the plan year closes and contributed to employees’ accounts.

The term “vesting” refers to the portion of your account balance that you are entitled to under the Plan’s rules. You are always 100% vested in your:

• employee pretax and Roth 401(k) contributions


• SS&C Technologies discretionary matching contributions made after January 1, 2019


• any rollover contributions


• and any earnings thereon

Any SS&C Technologies discretionary matching contributions made prior to January 1, 2019, and any earnings thereon, follow the vesting schedule shown below.

Years of Service	Percentage
Less Than 1	0%
1	25%
2	50%
3	75%
4+	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 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 Capital Group Target Date Retirement Trust^SM (US) Class U3 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 SS&C Technologies.

If no date of birth or an invalid date of birth is on file at Fidelity your contributions may be invested in the Capital Group 2010 Target Retirement Trust^SM (US) Class U3. More information about the Capital Group Target Date Retirement Trust^SM (US) Class U3 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 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, have severe financial hardship, as defined by your Plan.

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

You are permitted to roll over eligible pretax or Roth contributions from another 401(k) plan, 401(a) plan, 403(b) plan or a governmental 457(b) retirement plan account or eligible pretax contributions from conduit individual retirement accounts (IRAs) or 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.

Call the Fidelity Retirement Benefits Line at 1-800-890-4015 or log on to Fidelity NetBenefits^® at www.401k.com 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. You can change your beneficiary designation online.