You may join the plan on the first of any month after meeting the eligibility requirement by contacting Empower at 866.467.7756 or online at empowermyretirement.com.

Starting early and making small increases in the amount you contribute could lead to big savings when you retire! Saving for tomorrow could also help you save on taxes today if you make traditional pre-tax contributions to your account.

You may choose to make contributions up to the annual IRS maximum. You may designate your contributions as traditional pre-tax contributions, after-tax Roth contributions, or a combination of both without exceeding the IRS annual limit.

If you will be 50 or older by the end of the plan year and have contributed the maximum contributions allowed, you may be eligible to make catch up contributions on a pre-tax or post-tax basis.

Did you know Acadia contributes money to your account? You are eligible to receive a discretionary employer match if you are making an active deferral contribution. The discretionary employer match is contributed at each pay period and can be viewed on both your payroll statement and within your 401K account. The plan includes a four-year graded vesting schedule for employer matching contributions.

You may choose from several investment options for your contributions and can make changes to your investment options. You can increase, decrease, or stop your contribution to the plan at any time.