Retirement

You can contribute from 1% to 75% of your eligible base pay as pre-tax or Roth contributions, or a combination, up to the annual IRS dollar limits.

 

A Roth contribution to your 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, become disabled, or die.

 

 

United  may make an annual discretionary matching contribution to your plan account. You may receive a percentage of each dollar you contribute up to 7% of eligible pay. Details are provided each year.

 

You are eligible to receive the matching contribution after completing 1000 hours of service as of your one-year anniversary or as of the end of the next plan year. You must also be employed at the end of each plan year. Some exceptions apply; refer to the Summary Plan Description (SPD) for details.

 

Only contributions made AFTER meeting match requirements are eligible to receive a match contribution.

The Plan offers a range of options to help you meet your investment goals.

 

You can select a mix of investment options that best suit your goals, time horizon, and risk tolerance. Descriptions of the Plan’s investment options and their performance are available online at www.netbenefits.com  or call a Fidelity representative at 866-956-3433. 

 

​United Family Plan Number: 99811​