Plan Eligibility: You will be eligible to participate in the Plan when you have completed 6 months of service and have attained age 21. Your Entry Date will be the first day of the month coinciding with, or next following, the date you satisfy the eligibility requirements.

Auto-Enroll: Once eligible, you will be enrolled in the Plan with an automatic deferral of 3% of your compensation each payroll period unless you opt out of the Plan.

Profit Sharing Contribution: Your employer offers a year-end Profit-Sharing contribution.

Investments: You have a variety of investment choices within your 401(k) Plan. You will be auto enrolled into a Target Date Fund that aligns with your retirement age (with an assumption of 65 years old). You can re-direct those investments to any investment option offered within the Plan. Your investment options are listed on your Fidelity participant portal.

To begin your enrollment online go to netbenefits.401k.com or click on the link below. To access your account for the first time, click the "Register As A New User" link at the top of the screen. Follow the prompts to enter in your information, and create a username and password.

Once logged in, you will complete the following steps to finish your enrollment:

Set Your Contribution Amount
This is the amount that will be deducted from each paycheck and contributed to your account. You can change your contribution amount at any time.
Standard Contributions: Apply your selected contribution amount to regular or base earnings only.
Other Contributions: Apply your selected contribution amount to any bonus pay.

Choose Your Contribution Type
You may elect Traditional (Pre-Tax) contributions, Roth contributions, or a combination of both.
Pre-Tax Contributions: Lower your taxable income for the year. Taxes are paid when you withdraw your contributions and earnings.
Roth Contributions: Made after taxes are paid. As long as it has been at least five years since your first Roth contribution and you are age 59½ or older, withdrawals of contributions and earnings are tax-free.

Select Your Investments
If you feel comfortable, you may choose your own investment funds. Your plan also offers Target Date Funds, which automatically adjust the mix of stocks and bonds based on the year you expect to retire. If you have any questions or need assistance with the enrollment process, please do not hesitate to contact your Wealthspire advisors. We’re happy to help.