Retirement 401(k)

Starting to save early and contributing consistently is essential to preparing for retirement, even if it feels lightyears away. With a 401(k), you can make automatic contributions directly from your paycheck. It makes saving a simple and effortless process.

401(k) Benefits

Alto's 401(k) plan is with Fidelity Investments. If you would like to learn more or make any changes, we recommend reaching out to them directly. They can assist you with rollovers from a previous job, setting up contributions, or answering any other questions.

You will need the following information:

Name of Plan: Alto Pharmacy 401(k) Plan
Financial Institution: Fidelity Investments
Plan Number: 9648K

Enrollment and Eligibility:

Website: www.netbenefits.com
Contact Number: 800.835.5097
Eligibility: Immediately eligible after 2 months of service; must be age 21 or older.
Auto Enrollment: New employees are auto-enrolled at 3% (pre-tax) into an age-based target date fund. You may opt out or adjust contributions at any time.

Contribution Types:

Traditional (Pre-tax)
Roth (After-tax)

Plan Limits (2025):

Standard Contribution - $23,500
Age 50 or Older: Additional $7,500 catch-up contribution
Age 60-63: Additional $11,250 catch-up contribution

Fidelity 401(k) Summary Plan Description

401(k) Fidelity Intro and Transition Presentation Slides

401(k) Fidelity Intro and Transition Presentation Recording

Get to Know Fidelity and Next Steps to Take Now Recording

Go back to Home

Home

Continue to Life and Disability Benefits

Life & Disability

Disclaimer: This presentation is to provide a summary of Alto Pharmacy employee benefit programs. Should any discrepancy arise, please refer to actual plan documents which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form that explains the exclusions and limitations, as well as the full range of covered services of your plan, in detail.