You can enroll in the 403(b) Share Plan at any time. There is no waiting period.

If you have not enrolled in the 403(b) Share Plan within 30 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 4% of your pretax eligible earnings.

Based on your date of birth and assuming a retirement age of 65, you will be invested in a JPMorgan SmartRetirement^® Blend Fund Class R6, 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 30 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 are automatically enrolled in the 401(a) Growth Plan, 30 days from your hire date.

You can enroll in the 403(b) Share Plan online, or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

Your enrollment in the 403(b) Share Plan becomes effective once you elect a deferral percentage, which initiates deduction of your contributions from your pay. These salary deductions will generally begin with your next pay period after we receive your enrollment information, or as soon as administratively possible.

Through automatic payroll deduction, you may contribute up to 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. Sign up online by accessing the “Contribution Amount” section on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

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 5 tax years after your first Roth 403(b) contribution and after you have attained age 59 ½, or become disabled or die.

Through automatic payroll deduction you can contribute up to 100% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.

As long as you have reached or will reach age 50 by year end and are making the maximum plan or IRS contribution, you may make an additional catch-up contribution each pay period. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

If you have 15 years or more of work experience and have contributed less than $5,000 a year, on average, to your retirement savings plan, you may be able to make additional lifetime catch-up contributions to your plan, allowing you to contribute up to a maximum of $3,000 per year, up to a maximum lifetime benefit of $15,000. Please note, in order to receive the maximum benefit from the age 50 and lifetime catch-up contributions, the lifetime catch-up limit for a calendar year ($3,000) must be used before the Age 50+ Catch-up is applied. Please consult your tax advisor for additional information.

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.

Children's Healthcare of Atlanta helps your retirement savings grow by matching your 403(b) Share Plan contributions and making discretionary employer contributions to your 401(a) Growth Plan.

Children's will match 100% on the first 4% of eligible compensation you defer to the 403(b) Share Plan. You must work 1,000 hours during a plan year to be eligible for the match. Match will begin once you reach 1000 hours of service in the year. The first matching contribution of the year will include a catch-up match on all contributions you have made so far that year.

The Children's Healthcare of Atlanta 401(a) Growth Plan is a 100% employer-paid retirement plan. Contributions to the 401(a) Growth Plan are made during the quarter following the December 31 Plan year-end. Participants are eligible for Children's discretionary contribution provided they have completed 1,000 work hours during a payroll year and are employed on the last day of the calendar year.

You are always 100% vested in your contributions and earnings to the 403(b) Share Plan. You are eligible for and 100% vested in any matching contributions and earnings from Children's once you have completed 1,000 hours of service.

401(a) Growth Plan contributions and any earnings vest according to the following schedule:
After two years of service - 30%
After three years of service - 60%
After four years of service - 80%
After five 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 Children's Healthcare of Atlanta Retirement Plans 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 a JPMorgan SmartRetirement^® Blend Fund Class R6 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 Children's Healthcare of Atlanta.

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.

Fidelity’s online planning tools are designed to help you manage your assets as you plan for retirement.

Although your retirement accounts are intended for the future, you may borrow from your Children's Healthcare of Atlanta 403(b) Share Plan and /or the 401(a) Growth Plan accounts for any reason. You may borrow from both Plans; however, at any given time, you may have only 1 outstanding loan from each Plan. Please remember that even though you can borrow from both Plans simultaneously, the amount you can borrow cannot exceed 50% of your combined total vested balance. You repay the money through Fidelity’s electronic loan payment, Automated Clearing House (ACH), service. The following rules and fees apply:

• Minimum loan amount: $1,000 from each plan


• Maximum loan amount: $50,000 total from one or both plans


• Maximum loans outstanding at a time: 1 per plan


• Loan initiation fee: $50 (deducted from your account) per plan


• Quarterly maintenance fee: $6.25 (deducted from your account) per plan

Withdrawals from the plans are generally permitted when you terminate your employment, retire, reach age 59½, or become permanently disabled as defined by your plans.

When you leave the Company, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $1,000, you can leave contributions and any associated earnings in the plans. After you leave the Company, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you.

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

Additional information can be obtained online, or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

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 Benefits Line at 1-800-343-0860.