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

Eligibility
- Age 18 & 1 Year of Service (1,000 hours in a plan year)
*Excludes collective bargaining (union) employees and non-resident aliens

Plan Entry Dates
January 1st & July 1st

Vesting
6-Year Graded (1,000 hours in each year)

Automatic Enrollment Rate
3% Roth

In-Service Distributions
None

Employer Contributions
Discretionary

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

Loans
Any Purpose (1)
You Ask, We Answer: Payroll Streamlined
How do I upload payroll?
How do I delete a duplicate payroll?
How do I change employee status information?
Let’s Stay in Sync:
How We Keep the Conversation Going!

Trustee Review Month

Periodic Check-In Calls
With Beyond Financial Planning
Your Plan Advisor
Greg Hardy

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:
(269) 492-6984
Email:
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