The 401(k) plan is a great place to start building long-term financial security.

You are immediately eligible to participate in the Plan if you are at least 21 years of age and part of an eligible group of employees as defined by the Plan. Refer to the Summary Plan Description for detailed information.

Your contributions
You can contribute from 1% to 75% of your eligible base pay as pre-tax or Roth contributions, or a combination, up to the annual IRS dollar limits.

A Roth contribution to your Plan allows you to make after-tax contributions and take any associated earnings completely tax-free at retirement, as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 401(k) contribution and after you have attained age 59½, or become disabled or die.

The maximum contribution you can make to your 401(k) Plan in 2022 is $20,500.

If you have reached age 50 or will reach 50 during the calendar year January 1– December 31 and are making the maximum plan or IRS pre-tax contribution, you may make an additional $6,500 “catch-up” contribution in 2022.

Company matching contributions
United  may make an annual discretionary matching contribution to your Plan account. You may receive a percentage of each dollar you contribute up to 7% of eligible pay. Details are provided each year.
You are eligible to receive the matching contribution after completing 1000 hours of service as of your one-year anniversary or as of the end of the next plan year. You must also be employed at the end of each plan year. Some exceptions apply; refer to the Summary Plan Description (SPD) for details.

Only contributions made AFTER meeting match requirements are eligible to receive a match contribution.

Company match example
Here’s an example of how the 2021 Company match worked if your eligible pay was $50,000 in 2021 and you met the eligibility requirements to receive the Company match. The table below shows the Company match dollars you received and the Company match dollars you missed out on based on contributing between 0% and 7% of your eligible pay.


You are always 100% vested in your own contributions and earnings. You become vested in employer matching contributions based upon years of service (1,000 hours each year).

Years of Service                         %Vested
        0-2                                         0%
        2-3                                       50%
     3 or more                              100%

How to enroll
You can enroll on Fidelity NetBenefits® at www.netbenefits.com or call a Fidelity representative at 866-956-3433. 

The Plan offers a range of options to help you meet your investment goals.
You can select a mix of investment options that best suit your goals, time horizon, and risk tolerance. Descriptions of the Plan’s investment options and their performance are available online at www.netbenefits.com.

United Family Plan Number: 99811

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