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The 401(k) Lowdown: Everything You Need to Know

Eligibility
Age 21 & 1 year of service (1000 hours in a plan year)

Plan Entry Dates
Quarterly

Vesting
Safe Harbor 3%: 100% Vested

Automatic Enrollment Rate
3% Roth

In-Service Distributions
Age 59 1/2 - All Contributions

Employer Contributions
3% Safe Harbor

Auto-Increase Program
Yes, 1% up to 10%

Loans
None
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Let’s Stay in Sync:
How We Keep the Conversation Going!

Trustee Review Month

Periodic Check-In Calls
With Valley Oak
Your Plan Advisor
Matt Rzepka

What they can help with:
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Investment questions such as
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Allocation choice​
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Deferral amount
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Investment risk
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Financial plan creation
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Retirement and legacy planning
Phone:
Email:
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