2024-Framebridge-Benefit Guide

401(K) RETIREMENT PLAN

Framebridge offers three types of retirement plans to eligible employees - a before-tax plan, an after-tax plan, and a Roth 401(k). A Roth 401(k) is funded with after-tax dollars (taxed now), and withdrawals are tax-free during retirement, while a "traditional" before-tax 401(k) is funded with pretax dollars (taxed later), and withdrawals are taxed as income during retirement. The plan also offers employees the ability to take a loan from their 401(k).

ELIGIBILITY All full-time and part-time Framebridge employees are eligible to enroll and contribute on their first day and are immediately vested in the plan. ENROLLMENT Enroll in Framebridge’s 401(k) by logging into your Graham Holdings OneLogin portal (ghco.onelogin.com) and selecting the Vanguard tile. You can select the percentage of your pay you would like to contribute per pay period. This amount is a percentage of your gross pay and can be adjusted anytime. You can contribute up to $23,000 annually, subject to IRS regulations and plan rules. For employees over the age of 50, you can contribute an additional $7,500 above the yearly IRS limit. REVIEW YOUR ACCOUNT Vanguard makes it easy to change your investment elections and view the performance of your retirement account. To view your Vanguard account - go to vanguard.com/retirementplans and enter your login info or create a username and password. Our Plan Number is 091600. If you need assistance creating an account or have questions about the retirement plan through Vanguard, please contact the People and Culture team or call Vanguard participant services at 800-523-1188.

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

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