There is no waiting period. You can enroll in the Plan at any time.

If you have not enrolled in the Plan within 90 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 4% of your pretax eligible compensation.

Based on your date of birth and assuming a retirement age of 65, you will be invested in the Vanguard Target Retirement Fund, 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.

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. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Service Center at 800-343-0860.

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

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

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.

Saint Luke's will match 50 cents on every dollar you save up to the first 4 percent of your annual eligible compensation, Pre-tax and Roth. The Saint Luke's match of your contributions is made to your account per pay period.

Saint Luke's Retirement Balance Contribution will be made for eligible employees based on your years of benefit service. This table reflects the contribution percentage by years of eligible benefit service.

Years of Benefit Service	Contribution Percentage
1 to 4 years of service	2% of eligible compensation
5 to 9 years of service	2.5% of eligible compensation
10 to 14 years of service	3% of eligible compensation
15 to 19 years of service	3.5% of eligible compensation
20 or more years of service	4% of eligible compensation

Matching and Retirement Balance Contributions will be made to the Saint Luke's 401(a) Matching and Retirement Balance Plan.

You are always 100% vested in your own contributions to the Saint Luke’s 403(b) Savings Plan as well as any earnings on them. Any employer matching contributions or Retirement Balance Contributions will be fully vested upon completing 3 years of service.

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 Saint Luke’s 403(b) Savings 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 Saint Luke's.

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 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, as defined by your plan.

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

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

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 Center at 800-343-0860.