There is no waiting period. You can enroll in the Plan at any time after your first pay period if you are age 18 or older.

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 a contribution rate of 2% of your pretax eligible compensation.

Based on your date of birth and assuming a retirement age of 65, you will be invested in the JPMCB SmartRetirement Fund CF-D Class, 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 35 days of your date of hire. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

In addition, you will be enrolled in the annual increase program. Unless you elect otherwise your pre-tax contributions will increase annually each May (assuming you have been employed for at least six months) by 1% up to a maximum of 10%.

Enroll online at any time, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

The first time you log on to NetBenefits you will be prompted to set up a Username and Password. If you have other accounts with Fidelity you can use the same information to access your UnityPoint Health account. To establish a Username and Password go to www.netbenefits.com, click Register from the top of the home page and the system will guide you through the process.

Your enrollment 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 1% to 100% of your eligible compensation to the 401(k) Retirement Plan (after applicable FICA/Medicare tax and other required withholdings), on a pretax and/or Roth basis. Combined, your total contribution cannot exceed 100% of your eligible compensation. Employees determined to be highly compensated may have additional limitations.

As part of the Annual Increase Program, your contributions will increase by 1% annually each May, to help to ensure continued progress toward meeting your future goals. You can opt out of the Annual Increase Program at any time online, or by calling 1-800-343-0860.

Plan participants will automatically be enrolled in the Annual Increase Program – a convenient way to help boost workplace savings contributions on a regular basis to keep on track to meet your retirement goals. Each year, plan participants contributing less than 10% will see their contribution rate increase by 1% until they reach the 10% employee contribution threshold, unless they elect otherwise. If you would prefer to elect an annual increase percentage different from the designated 1%, or if you elect not to participate in the Annual Increase Program, please contact Fidelity at 1-800-343-0860 or by going online and indicate your preferences.

If you have previously contributed to another qualified 401(k) or 403(b) plan at a previous employer already during this calendar year, your total contributions for the prior plan and your new UnityPoint Health 401(k) Plan may not exceed the IRS limit of $24,500 in 2026 (or $32,500 if you are age 50-59 or 64+ for the $8,000 additional catch-up contribution amount, or $35,750 if you are ages 60-63). It will be your responsibility to monitor your contributions between the plans in your first year of employment at UnityPoint to ensure that you do not exceed the maximum IRS limits.

If you need help calculating your contribution, please call Fidelity 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 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 0% and 100% of your eligible compensation as designated Roth contributions, up to the annual IRS dollar limits. Starting in 2026, if your FICA wages from the prior calendar year with your current employer exceeded $150,000, any age 50 catch-up contributions to the Plan must be made as Roth contributions. If your FICA wages were $150,000 or less, you can designate your catch-up contribution to be pretax or Roth.

Find more information online within the "Plan & Learn" drop down and "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 $8,000. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

Starting in 2026, if your FICA wages from the prior calendar year with your current employer exceeded $150,000, any age 50 catch-up contributions to the Plan must be made as Roth contributions. If your FICA wages were $150,000 or less, you can designate your catch-up contribution to be pretax or Roth.

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 2026 is $11,250.

The IRS contribution limit for 2026 is $24,500.

UnityPoint Health helps your retirement savings grow by matching your contributions.

UnityPoint Health will match 50% of the first 6% of pretax and/or Roth contributions you make to the Plan on a biweekly basis.

UnityPoint Health also provides an additional contribution called a Core contribution equal to 2% of your eligible compensation on a biweekly basis.

You are always 100% vested in your contributions to the UnityPoint Health 401(k) Plan, as well as any earnings on them. Your UnityPoint Health matching and Core contributions will be fully vested when you have completed 3 years of service (1,000 paid hours per year).

Years of service	Percentage
0 thru 2 years	0%
3+ years	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 UnityPoint Health 401(k) 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 JPMCB SmartRetirement Fund CF-D Class 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 UnityPoint Health.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the JPMCB SmartRetirement Income Fund CF-D Class. More information about the JPMCB SmartRetirement Fund CF-D Class 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.

If the idea of getting professional help to manage your investments appeals to you, your plan offers Target Date Funds. With Target Date Funds, the investment mix of stocks and bonds automatically becomes more conservative as the target retirement date approaches. Principal invested is not guaranteed at any time, including at or after the fund’s target date. Choose the fund that represents your anticipated year of retirement.

An annuity is issued by an insurance company and purchased by a consumer for long-term investing. There are various fees and expenses associated with annuities, and in certain situations withdrawal penalties may be applicable. An annuity is not a mutual fund. There are two types of annuities, variable and fixed.

Your plan offers a fixed annuity. A fixed annuity lets you lock in a guaranteed rate of interest for a specific period — normally between three months and one year. As each “guarantee rate period” comes to a close, the insurance company sets a new interest rate for the upcoming period.

Interest rates and time periods vary depending on the annuity contract. Guarantees are subject to the claims-paying ability of the insurance company.

Fidelity^® Personalized Planning & Advice ("The Service")
Fidelity^® Personalized Planning & Advice is a retirement goal based managed account service with a team of portfolio managers who manage the investments in your workplace savings plan account. Based on your unique needs and goals, our team of professionals will create a plan that considers your total financial situation, put the plan into action, and work for you putting in the time, resources, and knowledge needed to keep you on track for retirement.

This includes:

• Regularly monitoring and rebalancing of your account
  
• Strategy refinement that supports you as your financial situation evolves
  
• Quarterly check-ins, which include your progress toward key milestones
  
• Personal planning dashboard that includes progress to retirement and other profile details

Generally, the Plan allows you to borrow up to 50% of your vested account balance. The minimum loan amount is $1,000, and a loan must not exceed $50,000. You then pay the money back into your account, plus interest, through ACH electronic payments through your bank. Any outstanding loan balances over the previous 12 months may reduce the amount you have available to borrow. You may have a maximum of one loan outstanding at a time. The cost to initiate a loan is $50. The initiation fee will be deducted directly from your individual plan account. If you fail to repay your loan (based on the original terms of the loan), it will be considered in “default” and treated as a distribution, making it subject to income tax and possibly to a 10% early withdrawal penalty. Defaulted loans may also impact your eligibility to request additional loans. Be sure you understand the Plan guidelines and impact of taking a loan before you initiate a loan from your plan account.

Learn more about and/or request a loan online, or by calling the Fidelity Retirement Service Center at 1-800-343-0860.

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

Additional in-service withdrawals are also available for the following in 2026:

• Qualified Birth or Adoption Distribution: This option is if you are planning for, or recently experienced the birth or adoption of a child, you may be eligible to access funds from plan to help with associated costs.


• Emergency Withdrawal: This option is if you are experiencing an unforeseeable or immediate financial need for funds for necessary personal or family emergency expenses.


• Domestic Abuse Withdrawal: This option allows those who are victims of domestic abuse to self-certify their status and request a distribution from their vested balance without the 10% early withdrawal penalty.


• Qualified Declared Disaster Withdrawal: This option is different from a hardship because it provides you another option to access retirement funds in the case of a federally declared disaster.


• General Hardship: This option allows for distribution for qualified hardships.

You are permitted to roll over eligible pretax and Roth contributions from another 401(k), 401(a), 403(b), or governmental 457(b) retirement plan account or eligible pretax and Roth 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 Service Center 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 Service Center at 1-800-343-0860.

You can also download the NetBenefits mobile apps for smartphones and iPad^® from the App Store^® and Google Play™. The NetBenefits mobile app will allow you to check balances, research your investment options and get access to market commentaries, podcasts and videos from virtually anywhere and anytime.