The takeaway

The 401(k) savings plan, administered through Fidelity, provides you with one of the easiest ways to save for your future using both pretax and after-tax dollars. You can take advantage of several investment options and access to guidance and financial planning services.


  • Automatic enrollment upon hire for full-time employees age 21+.
  • 4% of your base pay automatically deducted as pretax savings and deposited into the 401(k) plan on your behalf, unless you decide otherwise.
  • Opt out, enroll, and change your contribution elections at any time.
  • Contribute up to $19,500 for 2021 (or $26,000 if you're age 50+) to the pretax or Roth options; if you max out these contributions, you can save even more with after-tax contributions.
  • Manage your contribution elections and investments through Fidelity’s website.

Three savings options

You have three ways to save for your future: through pretax, Roth, and after-tax contributions. Take a look at how the different options compare:

Pretax 401(k) contributions

Roth 401(k) contributions

After-tax contributions

Talk to Fidelity about your individual situation, and decide which 401(k) options are best for you.

Get schooled with Fidelity’s tools

The 401(k) features many investment options, plus access to planning tools and calculators, education, and guidance—all from industry leader Fidelity.

Fidelity’s eLearning tools help you set financial goals to make the right plan for you. Register on Fidelity’s website, and after you log in, select “Tools” from the menu.

And that’s not all: Fidelity Investor Centers are located nationwide and available free of charge to all Fidelity account holders. You can meet with a financial advisor who will work with you to review and analyze your 401(k) account and answer your questions.