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:

  • What a 401(k) is and how it works

  • How much to contribute for long-term growth

  • What to do if you change jobs

  • 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?

  • An employee is anyone who works for a company, whether or not they’re part of the company’s 401(k) plan.

  • A participant is an employee (or former employee) who has enrolled in the 401(k) plan and has a balance or active account.