Retirement Planning

Pinnacle’s 401(k) retirement plan helps you reach your long-term savings goals by providing: 

• A dollar-for-dollar match on contributions up to 4% of your weekly base pay.  
• Ability to roll over pretax and Roth after-tax money from a previous employer’s plan to your Pinnacle account 

How it works 

• Once you are eligible, you will receive an enrollment packet from Fidelity Investments and will be enrolled automatically with a 4% pretax contribution.  
• You can make changes to the automatic enrollment by calling 800-835-5095 or by registering at netbenefits.com.  
• You will become fully vested in your matching contributions after three years of continuous service, where one year of service consists of at least 1,000 hours worked in that calendar year. 

Eligibility Requirements 

• New-hire employees are eligible to participate on the first day of the month following 60 days of continuous employment.  
• Rehire employees are eligible to make contributions on the first day of the month from their hire date, only if the employee is rehired within 12 months of termination date and met the original waiting period.  
• If the rehire date is more than 12 months, the eligibility date will be the same as a new employee – the first day of the month following 60 days of continuous employment. 

For more information or to get help, contact Fidelity at 800-835-5095 or visit netbenefits.com.

The Pinnacle Student Loan Matching Program is designed to help employees pay off their student loans and save for the future.  

• The program is administered by Fidelity and is available to employees who are eligible for the U.S. 401(k) employer matching program. 
• Pinnacle treats your monthly student loan payment like a retirement contribution and provides a match that goes into your 401(k) account after the end of the plan year. 
• The program serves as a great head start when it comes to saving for retirement.  
• It can also provide a boost to employees who have been contributing to their 401(k) but can’t meet the full match. 
• You will become fully vested in your matching contributions after three years of continuous service, where one year of service consists of at least 1,000 hours worked in that calendar year. 

Enrollment information has been sent to eligible employees. Learn more about the program in this video. 

Fidelity offers the information and tools you need to build confidence and take control of your finances. Visit netbenefits.com to: 

• Create a personalized action plan to reach your financial goals 
• Set and track goals 
• Create investment strategies 
• Track savings, spending and debt 
• Access the latest educational information and planning tools 
• Get tips, insights, resources and tools to guide you through major life events 

Pinnacle’s EAP provider, Lyra Health, has partnered with My Secure Advantage to offer financial help and advice, including:

• 30-minute free consultations with an experienced financial counselor for each issue you encounter
• 30-minute free consultation on income tax planning
• 25% discount on a certified public accountant’s normal fee for document preparation
• Access to an online financial library