401(k) Retirement Plan

ATOMIC offers a 401(k) safe harbor through Empower to help you save for retirement. Once eligible, ATOMIC contributes 3% of your compensation, even if you don't contribute your own money.

Eligibility

You become eligible after you:

Reach age 18
Remain employed through the two-month anniversary of your hire date

Once you meet both requirements, you enter the plan on the first day of the plan quarter that coincides with or follows your eligibility date.

ATOMIC Contributes 3%

Once you're eligible, ATOMIC contributes 3% of your compensation to your account. This is not a match, so you don't have to contribute your own money to receive the ATOMIC contribution.

Pre-Tax or Roth Contributions

You can choose how your own contributions are taxed:

Pre-Tax: Contributions are made before income tax, and you'll generally pay taxes when you withdraw the money.
Roth: Contributions are taxed when they're taken from your paycheck. Qualified withdrawals, including earnings, may be tax-free if certain requirements are met.

Vesting

Your own contributions are 100% vested immediately, meaning they are always yours. ATOMIC's 3% safe harbor contribution becomes 100% vested after two years of service. If you receive other employer matching or non-elective contributions, those contributions vest based on your years of service:

Less than 2 years: 0% vested
2 years: 20% vested
3 years: 40% vested
4 years: 60% vested
5 years: 80% vested
6+ years: 100% vested

Manage Your Account

Change your paycheck contribution
Choose or change your investments
Review your account balance
Access your retirement account information
Identify and update beneficiaries

Empower: empowermyretirement.com
Phone: 1-800-338-4015