What Fees Are Associated With My 401(k) Account?
Every 401(k) plan comes with costs, and that is completely normal. Some fees are clearly listed, while others are built…
Employees
This section is geared towards employees who want to understand how their 401(k) works. Whether you’re new to your company’s retirement savings plan or already contributing, these articles offer clear, practical advice for every stage of your journey.
You’ll learn:
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What a 401(k) is and how it works
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How much to contribute for long-term growth
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What to do if you change jobs
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Common mistakes to avoid and how to fix them
- What to know about vesting, rollovers, and withdrawals
Designed for participants seeking to optimize contributions, navigate plan features, and make informed long-term financial decisions.
Our goal is to help you feel confident about your retirement plan and your future.
What’s the Difference Between a Participant and an Employee?
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An employee is anyone who works for a company, whether or not they’re part of the company’s 401(k) plan.
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A participant is an employee (or former employee) who has enrolled in the 401(k) plan and has a balance or active account.
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Are You 50 or Older and Making Big Retirement Contributions?
Here’s How New Roth Rules Affect You in 2026 If you’re 50 or older, catch-up contributions are one of the…
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Do I Have to Take an RMD from My 401(k)?
If you’re getting closer to retirement (or already there) you’ve likely heard the term Required Minimum Distribution (RMD). But do…
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How to Transfer Your Old 401(k) into Your New One
Changing jobs is a big step — but what about the 401k or 403b you left behind? If you had…
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Can You Still Contribute to a SIMPLE IRA From a Previous Job?
Here’s What You Need to Know We often hear this question:“I have a SIMPLE IRA [from a previous employer], and…
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What Happens If I Don’t Pay My 401(k) Loan?
Taking a loan from your 401(k) can seem like an easy solution. You’re borrowing from yourself, after all. But what…
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Can I Contribute to Both a Pre-Tax and Roth 401(k)?
Understanding How the Limits Work (And What’s Best for You) If you’re wondering whether you can split your 401(k) contributions…
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Beyond the Headlines: What the 2025 Executive Order Actually Says About 401(k)s and Alternative Assets
If you’ve seen headlines like “Crypto in Your 401(k)?” or “Private Equity Floodgates Open,” you’re not alone. But before jumping…
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Why Don’t I Have Two 401(k) Accounts for Roth and Pre-Tax?
“I see Roth 3% and pre-tax 3% on my paycheck. Why don’t I have two accounts?”If you’ve asked this question—or…
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Does My 401(k) Loan Affect My Credit?
If you’ve taken (or are thinking about taking) a loan from your 401(k), you might wonder how it impacts your…
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What Is the Super Catch-Up Contribution?
A Retirement Savings Boost for Ages 60–63 If you’re between the ages of 60 and 63, a special savings opportunity…
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Understanding Vesting in Your 401(k): What You Should Ask Your Employer
Navigating the world of 401(k) retirement plans can feel overwhelming, but understanding a few key concepts can help you maximize…
