401(k) Retirement Plan

Servier’s 401(k) Plan with Fidelity is designed to help you build a strong foundation for your financial future — whether you’re early in your career or nearing retirement. All regular employees age 21 and older are eligible to participate in the Servier 401(k) Plan regardless of the number of hours scheduled to work.

Plan Features

• You can contribute to your 401(k) from your regular pay and/or bonus pay on either a pre-tax or Roth after-tax basis, up to the annual IRS limits.
• Servier provides a 100% match on the first 5% of pay that you contribute to the 401(k) plan. This match is 100% vested, meaning the money is yours to keep, even if you leave.
  

  Important Reminder!

  If you want to make 401(k) contributions from your bonus pay, you must make a separate bonus deferral election in NetBenefits.
• The plan gives you a choice of investment options, including target date funds, that allow you the flexibility to build your own strategy to meet your financial needs.
• With Fidelity, participants have access to tools, resources, and live events to support your ongoing financial education.

Watch this video to learn more about Servier’s 401(k) plan features and the Fidelity tools and resources available.

Pre-tax vs. Roth Contributions

You can make contributions on either pre-tax or Roth after-tax basis, or a combination of both, depending on your financial goals

	Pre-tax	Roth
Description	Known as “traditional 401(k)”; contributions are taken out of your paycheck before taxes lowering your taxable income.	Contributions are taken from your paycheck after taxes, but grow tax free and are tax free at time of distribution.
Are contributions taxed when made?	No	Yes
Are contributions taxed when distributed?	Yes	No
Are earnings taxed when distributed?	Yes	No

A 10% Internal Revenue Code early withdrawal penalty tax may apply to the amount of your withdrawal if you are under the age of 59½ and do not meet one of the Internal Revenue Code exceptions. State tax laws vary. Visit irs.gov for details.

Annual Contribution Limits

Annual contribution limits are set by the IRS, limits for 2025 are:

Annual contribution limit (combined pre-tax & Roth)
$23,500
Catch-up contributions (if eligible)
Age 50-59 or 64+	Up to an additional $7,500
Age 60-63	Up to an additional $11,250

How to Enroll

Visit NetBenefits and register to create a unique username and password. If you have another Fidelity account, use your existing login information.

To help you take full advantage of Servier’s match, new hires are automatically enrolled in the plan at a 5% pre-tax contribution level and enrolled in the auto-increase program which automatically increases your contribution by 1% each January 1. You can adjust your deferral percentage and auto-increase preferences at any time by visiting netbenefits.com.

If you made 401k contributions to your prior employer’s plan in the current year, be sure to inform the HR Service Desk to avoid making contributions in excess of IRS limits.

Tools & Support

Get help with your financial goals using Fidelity’s financial wellness checkup or explore resources and live events that support your ongoing financial education. Visit NetBenefits to get started.

Fidelity also offers complimentary Financial Education Workshops on variety of topics, including healthcare in retirement, investing for beginners, preparing for retirement, balancing financial goals, and much more.

Register for upcoming sessions anytime and view the current quarter’s workshop schedule.

Financial Planning: CAPTRUST at Work

Planning for retirement isn’t just about saving — it’s about having the right guidance and tools along the way. Servier partners with CAPTRUST at Work, a financial wellness program, to help you create a clear, personalized roadmap toward retirement. Through CAPTRUST at Work, you have access to a range of resources to support you on your financial journey:

• One-on-One Consultations: Meet privately with a CAPTRUST Retirement Advisor for objective, personalized guidance on retirement planning, investment elections, budgeting, debt, and more.
• Advice Website: Access recorded presentations, interactive calculator tools, or schedule an appointment with an advisor.
• Live Financial Discussions: Join interactive group sessions with financial experts on a wide range of financial topics.
• On-Demand Learning: Self-guided financial education with an expansive library of recorded webinars, articles, and more.