All full-time and part-time employees of an Ensign Services-affiliated company may join the plan on the first of the month following 90 days of service. Per diem, on-call and temporary employees are not eligible for the 401(k) plan.
You may make your contributions to the 401(k) plan on a pre-tax basis, which means they are not subject to current income tax. However, future account distributions are taxable.
The plan also offers a Roth feature, which allows you to make contributions on an after-tax basis. Future distributions are not taxable, provided you are at least age 59 ½ and have held the account for five years or more.
Fidelity tracks 401(k) beneficiary designations. Be sure to check with Fidelity to confirm you have a 401(k) beneficiary on file.
For any changes to your contribution amount, roll-overs, loans, or questions pertaining to your investments, contact Fidelity Investments directly at 1-800-835-5095.
Fidelity will also answer your questions on vesting and company matching contributions.