A career powering others. A retirement built around you.

Before-tax, Roth, and after-tax are separate decisions.

The RSP/401(k) SPD describes all three contribution types. Their tax treatment, matching eligibility, and withdrawal rules differ. It also describes Roth in-plan conversions and automatic conversion of eligible after-tax contributions. A conversion can create taxable income; it is not simply another name for a Roth payroll contribution.

Review: contribution elections, current limits, conversion settings, and how those choices fit with your taxable portfolio.

A payroll match with its own eligibility lane.

The 2024 SPD generally describes a dollar-for-dollar match on eligible before-tax and/or Roth contributions up to 6% of eligible pay. Specified legacy Midwest union employees earning benefits under a traditional pension program have different formulas. The document also describes a make-whole matching feature with year-end employment conditions. The general formula should not be applied automatically to every employee.

Review: your employee classification, eligible pay definition, payroll timing, and the match credited to your account.

Not the same as a match—and not for every pension participant.

The same SPD describes a separate 4% employer retirement contribution for employees who are not active participants in a company pension plan. Enrollment is not required to receive this contribution when eligible, but investment elections still matter. Service vesting applies to these amounts. Do not assume the match and this contribution both apply to your situation.

Review: pension participation, employer-contribution eligibility, vesting service, and the investment destination of automatic contributions.