As an eligible employee of Point32Health, you've been automatically enrolled in Point32Health Retirement Plan at a contribution rate of 5% of your pretax eligible earnings. By default, your contributions will be invested in the Fidelity Freedom Commingled Pool Class F that has a target date closest to the year you might retire (assuming a retirement age of 65), as approved by Point32Health.

If you wish to waive your enrollment in the Plan, you must change your contribution rate to 0% within the first 30 calendar days of your employment. You may change your contribution rate at any time online or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

You will also be enrolled in the Automatic Increase Program, which will automatically increase the pretax amount you defer by 1% on an annual basis. Contributions are capped at the plan cap of 10% of your eligible compensation unless you choose to manually maintain the Annual Increase Program after reaching this threshold. You have the right to unenroll at any time online or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

Through automatic payroll deduction, you may contribute up to 60% of your eligible pay on a pretax or Roth after-tax basis, up to the annual IRS dollar limit.

If you have reached age 50 or will reach age 50 during the calendar year January 1-December 31 and are making the maximum plan or IRS pretax contribution, you may make an additional "catch-up" contribution each pay period, up to the annual IRS dollar limit. You make catch-up contributions through payroll deduction, the same way you make regular contributions.

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^®.

Point32Health will match 100% on the first 3% of your contributions and 50% on the next 2% of your contributions, whether those contributions are made on a pre-tax basis, a Roth after-tax basis, or a combination of both.

You are always 100% vested in your contributions to Point32Health Retirement Plan, as well as any earnings on them. Point32Health's matching contributions, any discretionary contributions and any earnings vest according to the following schedule:

Less than 1 year of service:	0%
After 1 year of service:	33.3%
After 2 years of service:	66.6%
After 3 years of service:	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 Point32Health Retirement 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 Fidelity Freedom Commingled Pool Class F 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 Point32Health.

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 1-800-343-0860.

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 Benefits Line at 1-800-343-0860.

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

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

Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile” link, then select “Beneficiaries” and follow the online instructions. Designating your beneficiary is important, as without your designation, your benefits will be distributed according to Point32Health Retirement Plan's general provisions.