Employees age 21 or older will be eligible to enroll after 3 months of service.

Enroll online at NetBenefits^® at www.401k.com at any time, or by calling the Fidelity Retirement Service Center at 1-800-970-2363.

Through automatic payroll deduction, you can contribute between 1% and 75% of your eligible pay on a pretax basis or Roth after-tax basis, up to the annual IRS dollar limits. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Service Center at 1-800-970-2363.
Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Service Center at 1-800-970-2363.

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 can contribute between 0% and 75% 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 contributions up to the maximum amount permitted under the plan and IRS rules, you may make additional “catch-up” contributions. 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. Combined, your pretax deferral, Roth, and catch-up contributions may not exceed 75% of your eligible pay.

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.

For information regarding eligibility for company contributions, please contact the Fidelity Retirement Service Center at 1-800-970-2363.

You are immediately 100% vested in your own contributions to the Plan.

For information regarding vesting schedules that may apply to company contributions you may be eligible to receive, please contact the Fidelity Retirement Service Center at 1-800-970-2363.

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 various 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 if your vested account balance is greater than $2,000.

Learn more about and/or request a loan online, or by calling the Fidelity Retirement Service Center at 1-800-970-2363.

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 your employment terminates, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $5,000, you can leave contributions and any associated earnings in the Plan. After you terminate employment, 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 $5,000, you will 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 or a rollover distribution of your choice.

You can establish or change your beneficiary information online. To make your elections, click on the “Profile” link, then select “Beneficiaries” and follow the online instructions.

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 457(b) plan account or eligible pretax contributions from another conduit individual retirement accounts (IRAs). 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 1-800-970-2363.

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