Page 30 - 2017 US Benefits Guide - for all Capgemni employees in the FS SBU
P. 30
Your Retirement Beneits
401(k) Plan Capgemini 401(k) Plan
Capgemini’s 401(k) Plan helps you save money for your retirement by giving you special tax
advantages and matching a portion of the money you contribute to the plan.
Date of Hire
Your Contributions
You may enroll in the Capgemini 401(k) Plan on your date of hire.* At any time, you may elect to
contribute to the plan from 1% up to 90%, subject to IRS limits: On Your Date of Hire
Eligible for 401(k)*
➤ On a pre-tax basis, or
➤ On a Roth 401(k) basis instead.
After 1 Year of Service**
Pre-tax contributions are deducted from your pay before your income taxes are deducted, reducing
your taxable income. You do not pay income taxes on these contributions, or their earnings, until Company match begins at
this money is paid to you. With after-tax contributions under the Roth 401(k) option, you pay taxes $1 for every $1 you contribute
on your contributions now and qualify for tax-free withdrawals later. To be qualiied, a Roth 401(k) up to the irst 3% of your
withdrawal must occur at least ive years after the irst Roth contribution and after you have reached pay plus $0.50 for every $1
age 59½, become disabled or died. you contribute on the
next 2% of your pay.
Contact Fidelity NetBeneits at www.401k.com or call the Fidelity Retirement Beneits Line at
®
1-800-835-5095 for assistance.
Company Matching Contributions Company Match 100%
While you may begin participation in the 401(k) Plan as of your date of hire, the Company matching Vested Immediately
contribution begins once you have completed one year of service. The Company matching
contribution will be $1 for every $1 you contribute up to the irst 3% of your pay plus $0.50 cents * If at least 21 years old.
for every $1 you contribute on the next 2% of your pay. ** Service includes global service.
Vesting of Company Match
Company matching contributions are immediately 100% vested in the 401(k) Plan.
*The plan excludes non-resident aliens and temporary employees.
CAPGEMINI 2017 BENEFITS GUIDE 27
401(k) Plan Capgemini 401(k) Plan
Capgemini’s 401(k) Plan helps you save money for your retirement by giving you special tax
advantages and matching a portion of the money you contribute to the plan.
Date of Hire
Your Contributions
You may enroll in the Capgemini 401(k) Plan on your date of hire.* At any time, you may elect to
contribute to the plan from 1% up to 90%, subject to IRS limits: On Your Date of Hire
Eligible for 401(k)*
➤ On a pre-tax basis, or
➤ On a Roth 401(k) basis instead.
After 1 Year of Service**
Pre-tax contributions are deducted from your pay before your income taxes are deducted, reducing
your taxable income. You do not pay income taxes on these contributions, or their earnings, until Company match begins at
this money is paid to you. With after-tax contributions under the Roth 401(k) option, you pay taxes $1 for every $1 you contribute
on your contributions now and qualify for tax-free withdrawals later. To be qualiied, a Roth 401(k) up to the irst 3% of your
withdrawal must occur at least ive years after the irst Roth contribution and after you have reached pay plus $0.50 for every $1
age 59½, become disabled or died. you contribute on the
next 2% of your pay.
Contact Fidelity NetBeneits at www.401k.com or call the Fidelity Retirement Beneits Line at
®
1-800-835-5095 for assistance.
Company Matching Contributions Company Match 100%
While you may begin participation in the 401(k) Plan as of your date of hire, the Company matching Vested Immediately
contribution begins once you have completed one year of service. The Company matching
contribution will be $1 for every $1 you contribute up to the irst 3% of your pay plus $0.50 cents * If at least 21 years old.
for every $1 you contribute on the next 2% of your pay. ** Service includes global service.
Vesting of Company Match
Company matching contributions are immediately 100% vested in the 401(k) Plan.
*The plan excludes non-resident aliens and temporary employees.
CAPGEMINI 2017 BENEFITS GUIDE 27
