Page 15 - 2017 Employee Benefit Highlights

Saving for the future
401(k) retirement plans

Employee retirement savings and investment plans | netbenefits.com

Because preparing for a financially secure retirement is so important,
Epicor is pleased to provide the most beneficial personal savings and
retirement programs available: a tax-deferred 401(k) plan and a Roth
401(k) plan! Get free money!

You are eligible to begin participating at any time during the year. These plans are Epicor matches the 401(k)
administered by Fidelity NetBenefits®. and the Roth 401(k) $0.50
pre-tax for each dollar
By joining the 401(k) plan, you’ll enjoy the many benefits this plan offers including:
• Reducing your current taxable income by contributing on a pre-tax basis. Your you contribute on the first
contributions are deducted from your paycheck before taxes are taken out of your 5% of your pay for each
pay. This means a tax savings for you now. pay period in which you
• Growing your account contributions over time by contributing regularly on a tax-
deferred basis. make a contribution.
• Investing in a wide variety of investment options offered through the plan. For
more information about the Epicor 401(k) Savings Plan, you may visit Fidelity
Investments at netbenefits.com.

Roth 401(k): An additional way to save! 401(K) auto enrollment:
Unlike a traditional pre-tax 401(k), the Roth 401(k) allows you to contribute after-tax
dollars and then withdraw tax-free dollars from your account when you retire. A Roth If you do not enroll in the Epicor
401(k) could be a good option for: Software Corporation 401(k)
• Younger employees who have a longer retirement horizon and more time to Savings and Investment Plan
accumulate tax-free earnings. within 30 days of your eligibility
• Highly compensated individuals who aren’t eligible for Roth IRAs, but who want a date, you will be automatically
pool of tax-free money to draw on in retirement. enrolled at a contribution rate of
• Employees who want to leave tax-free money to their heirs. 3% of your pretax eligible earnings
and your contributions will be
How much can you contribute to EACH plan? invested in a Fidelity Freedom
• You may defer up to 90% of your pre-tax income, up to the IRS maximum. Fund based on your age. The auto
• If you are turning 50 or older anytime this year, you are also eligible for a 401(k) enrollment feature increases by
“catch-up”. 1% every year, unless you direct
• You are immediately eligible for our company match. Epicor matches $0.50 pre-tax otherwise.
for each dollar you contribute on the first 5% of your pay for each pay period in
which you make a contribution.

It is easy to enroll, manage your account or learn more about what investments are offered
in the plan by visiting Fidelity NetBenefits® at netbenefits.com. The site also offers
interactive featured highlights such as:
• See how Fidelity can help plan for all your needs
• Two minutes to get on track with your retirement savings
• Budget to get out of debt
• Help with choosing investments

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