Page 17 - Vistra Demo

Your Financial Health

Saving for Retirement MYHEALTH TOOLS
Building a healthy financial future is as important as taking care of your
health needs today. That’s why we try to make putting money aside for
your future as convenient as possible through the EFH Thrift Plan.

You are eligible to participate in the Thrift Plan on your date of hire,
although certain eligibility rules apply for different classifications. You
decide what percentage of your base pay you want to contribute to
your account via payroll deductions (before-tax and/or after-tax). You
also choose how to invest your savings.

Thrift Plan Overview
Maximum annual Contributions to your account are subject to federal limits.
contribution If you’re age 50 or over, you are eligible to make additional
before-tax contributions.
EFH matching 100% of the first 6% of pay you contribute. Retirement Plan
contributions participants in the Traditional Formula receive a 75% match
on the first 6% contributed.
Vesting (ownership You are always 100% vested in your contributions as well as
of contributions) EFH’s match.
Automatic New employees are automatically enrolled in the Thrift
enrollment Plan at a contribution rate of 3% on a before-tax basis. Your
contribution rate will automatically increase by 1% annually
to a maximum of 10% unless you make an election not to.

Get Help Managing Your Thrift Plan
As you go through different life stages and experience different life
events, your goals and preferences will change. But the need for
financial information and guidance that’s dependable and easy to
access remains constant. With Fidelity as our plan provider, you can
choose what works best for you.

15