Financial Wellness
Apex matches your 401(k) dollar for dollar on the first 4% — and that match is yours immediately.
Apex matches your 401(k) dollar for dollar on the first 4%
The plan document states the match as 100% of the first 4% of your eligible compensation, calculated each payroll period. This is a safe harbor match, so it is 100% vested immediately — it is yours from the moment it lands.
Contributing less than 4% means leaving free money behind. If you contribute 4%, Apex adds another 4%.
401(k) — Fidelity
- Employer match
- 100% of first 4%
- Matched
- Every payroll period
- Vesting on the match
- Immediate, 100%
SecureSave
An emergency savings account funded straight from your paycheck, so unexpected costs don’t become debt or a raid on your retirement.
- Apex adds
- $25 one-time bonus
A one-off sign-up bonus, not an ongoing match.
FinPath
Financial coaching, courses and planning tools — for budgeting, debt, credit and saving, not just retirement.
How the 401(k) works
Eligibility
Per the Summary Plan Description:
- To contribute your own money
- Age 21, plus 1 month of service
- Entry dates
- Monthly
- To receive the match
- Age 21, plus one year with 1,000 hours
Confirm your own entry date with the People Team — the benefit guide and the plan document describe eligibility differently, and the plan document governs.
Getting the full match
Because the match is calculated per payroll period rather than annually, contributing unevenly across the year can cost you match dollars even if your annual total reaches 4%.
Front-loading contributions early in the year and stopping is the usual way people accidentally lose match money. Steady contributions across all 26 pay periods capture the most.
Fidelity NetBenefits
Your account, balance, investment choices, beneficiaries and contribution rate all live in NetBenefits, on the web or in the mobile app. Beneficiary designations for your 401(k) are separate from your life insurance beneficiary — check both.
Why an emergency fund comes before extra retirement saving
Money in a 401(k) is hard to reach before retirement, and taking it out early usually means taxes and a penalty. SecureSave sits alongside it for the car repair or the boiler — the things that otherwise become credit card debt.
Capture the full 401(k) match first, since that is a 100% return. After that, a cash buffer generally does more for you than additional retirement contributions.