Amy’s 401(k) Savings Plan, administered by Transamerica, offers a variety of investment options. The company generously matches your 401(k) contributions to help grow your retirement savings.
You are eligible to initiate employee contributions in the 401(k) plan on your first day of employment. You will be automatically enrolled at 4%. (You may opt out within 90 days of hire.) Once enrolled, you may designate beneficiaries and allocate your asset distribution online at any time. You do not need to wait for Open Enrollment to make contribution changes.
Amy’s will automatically increase your contribution by 1% each year, until you reach a maximum of 15%.
After you have been employed by Amy’s for 12 consecutive months, the company will match 100% of the first 3% you invest, and an additional 50% up to 5%. Your funds and Amy’s contributions are immediately vested. This means the funds in your account are 100% yours. You may choose pre-tax (Traditional) or after-tax (Roth) contributions.
| 2026 Annual Contribution Limit | Age 50+ Catch-Up Contribution Limit | Ages 60-63 Catch-Up Contribution Limit | |
|---|---|---|---|
| Employee | $24,500 | $8,000* | $11,250* |
*Note: If your 2025 FICA wages from Amy’s were more than $150,000, your 2026 catch-up contributions must be made on a Roth (after-tax) basis. See Box 3 of your W-2 for your FICA wages.
Traditional and Roth 401(k) plans differ in how your contributions are taxed, giving you flexibility in saving for the future.
| Traditional 401(k) | Roth 401(k) |
|---|---|
| You put money into your account before it’s taxed. | The money is taxed before it goes into your account. |
| You pay taxes when you withdraw the money in retirement. | Withdrawals are tax-free in retirement if you meet IRS requirements.* |
| You must start taking money out of the account by age 73. | There are no required withdrawals during your lifetime. |
*See IRS requirements for withdrawal.
For more information or to access your account, visit transamerica.com/portal.