{"id":6668,"date":"2025-01-05T21:42:55","date_gmt":"2025-01-05T21:42:55","guid":{"rendered":"https:\/\/hamraenterprises.com\/?page_id=6668"},"modified":"2025-09-30T19:08:30","modified_gmt":"2025-09-30T19:08:30","slug":"401k","status":"publish","type":"page","link":"https:\/\/hamraenterprises.com\/pt\/401k\/","title":{"rendered":"401K"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6668\" class=\"elementor elementor-6668\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f07948f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f07948f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75e11b5\" data-id=\"75e11b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfbe17a elementor-nav-menu__align-center elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"dfbe17a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-dfbe17a\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6564\"><a href=\"https:\/\/hamraenterprises.com\/pt\/joinus\/\" class=\"elementor-item\">Join Us<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6670\"><a href=\"https:\/\/hamraenterprises.com\/pt\/401k\/\" class=\"elementor-item\">401K<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6565\"><a href=\"https:\/\/hamraenterprises.com\/pt\/careerdevelopment\/\" class=\"elementor-item\">Career Development<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6650\"><a href=\"https:\/\/hamraenterprises.com\/pt\/manager-bonus-program\/\" class=\"elementor-item\">Manager Bonus Programs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6713\"><a href=\"https:\/\/hamraenterprises.com\/pt\/meal-discounts\/\" class=\"elementor-item\">Meal Discounts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6560\"><a href=\"https:\/\/hamraenterprises.com\/pt\/medical-benefits\/\" class=\"elementor-item\">Medical Benefits<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6563\"><a href=\"https:\/\/hamraenterprises.com\/pt\/paychecksanddailypay\/\" class=\"elementor-item\">Paychecks &#038; DailyPay<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6761\"><a href=\"https:\/\/hamraenterprises.com\/pt\/referral-program\/\" class=\"elementor-item\">Referral Program<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6562\"><a href=\"https:\/\/hamraenterprises.com\/pt\/studentresources\/\" class=\"elementor-item\">Student Resources<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6561\"><a href=\"https:\/\/hamraenterprises.com\/pt\/vacation-sick-time\/\" class=\"elementor-item\">Vacation &#038; Sick Time<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-dfbe17a\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6564\"><a href=\"https:\/\/hamraenterprises.com\/pt\/joinus\/\" class=\"elementor-item\" tabindex=\"-1\">Join Us<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6670\"><a href=\"https:\/\/hamraenterprises.com\/pt\/401k\/\" class=\"elementor-item\" tabindex=\"-1\">401K<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6565\"><a href=\"https:\/\/hamraenterprises.com\/pt\/careerdevelopment\/\" class=\"elementor-item\" tabindex=\"-1\">Career Development<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6650\"><a href=\"https:\/\/hamraenterprises.com\/pt\/manager-bonus-program\/\" class=\"elementor-item\" tabindex=\"-1\">Manager Bonus Programs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6713\"><a href=\"https:\/\/hamraenterprises.com\/pt\/meal-discounts\/\" class=\"elementor-item\" tabindex=\"-1\">Meal Discounts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6560\"><a href=\"https:\/\/hamraenterprises.com\/pt\/medical-benefits\/\" class=\"elementor-item\" tabindex=\"-1\">Medical Benefits<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6563\"><a href=\"https:\/\/hamraenterprises.com\/pt\/paychecksanddailypay\/\" class=\"elementor-item\" tabindex=\"-1\">Paychecks &#038; DailyPay<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6761\"><a href=\"https:\/\/hamraenterprises.com\/pt\/referral-program\/\" class=\"elementor-item\" tabindex=\"-1\">Referral Program<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6562\"><a href=\"https:\/\/hamraenterprises.com\/pt\/studentresources\/\" class=\"elementor-item\" tabindex=\"-1\">Student Resources<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-6561\"><a href=\"https:\/\/hamraenterprises.com\/pt\/vacation-sick-time\/\" class=\"elementor-item\" tabindex=\"-1\">Vacation &#038; Sick Time<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-83e5644 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83e5644\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbb0632\" data-id=\"cbb0632\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3047688 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3047688\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-888b8df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"888b8df\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd6d3b0\" data-id=\"fd6d3b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5962bf elementor-widget elementor-widget-text-editor\" data-id=\"e5962bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>401(k) with Company Contribution<\/strong><\/h4><h6>Looking forward to investing in your future? Hamra offers company-sponsored pre-tax 401(k) and Roth 401(k) options through <b>Fidelity<\/b> to our employees.<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77c5a98 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77c5a98\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab0eda0\" data-id=\"ab0eda0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f672187 elementor-widget elementor-widget-accordion\" data-id=\"f672187\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2581\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2581\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is 401(k)?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2581\"><p>401(k) Plans are defined contribution plans where an employee can make contributions from his or her paycheck either before or after-tax, depending on the options offered in the employee often choosing the investments based on options provided under the plan.<\/p><p>Hamra offers a traditional pre-tax 401(k) plan as well as a Roth 401(k) option.\u00a0Unlike a traditional pretax 401(k), Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire. Reference the attached fact sheet to help determine if the Roth option is a great option for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2582\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2582\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Hamra's Contribution<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2582\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2582\"><p>For every $1.00 you put in the program, Hamra\u00a0will contribute .25 cents up to 4% of your salary.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2583\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2583\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Eligibility<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2583\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2583\"><p>To be eligible, you must have worked for Hamra for 12 months consecutively with more than\u00a01,000 worked hours.<\/p><p>Once eligible, employees will receive information from Fidelity with information on enrollment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2584\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2584\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Vesting<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2584\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2584\"><p>With our plans, you are fully vested after 6 years.<\/p><ul><li>1 year of service &#8211; 0% vested<\/li><li>2 years of service &#8211; 20% vested<\/li><li>3 years of service &#8211; 40% vested<\/li><li>4 years of service &#8211; 60% vested<\/li><li>5 years of service &#8211; 80% vested<\/li><li>6 years of service &#8211; 100% vested\u00a0<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2585\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2585\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">New User Registration<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2585\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2585\"><ul><li>Visit\u00a0<a href=\"http:\/\/www.401k.com\/\">www.401k.com<\/a><\/li><li>Verify your identity &#8211; full name, birthdate, last 4 digits of SSN<\/li><li>Create your account\u00a0<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2586\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2586\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Username Guidelines<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2586\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2586\"><p><em>Create a unique username and avoid using personally identifiable information.<\/em><\/p><ul><li>Use 6 to 15 letters and\/or numbers<\/li><li>If your username is between 9 and 11 characters in length, it must contain at least two letters<\/li><li>Do not use personally identifiable information such as your SSN, telephone number, or date of birth.<\/li><li>Do not use 5 or more instances of a single number or letter, or easily recognized sequences (e.g., 12345 or 11111).<\/li><li>Do not use symbols, punctuation marks, or spaces. (e.g., #,@, \/, *, -)<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2587\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2587\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Password Guidelines<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2587\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2587\"><p><em>Create a unique password and avoid using personally identifiable information.<\/em><\/p><ul><li>Must be 8-16 characters in length.<\/li><li>Must have at least 1 number.<\/li><li>Must contain at least 1 upper case and 1 lower case letter.<\/li><li>May contain the following special characters:\u00a0%'()+,-.\/:;&lt;=&gt;?\\^_|~<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is 401(k)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>401(k) Plans are defined contribution plans where an employee can make contributions from his or her paycheck either before or after-tax, depending on the options offered in the employee often choosing the investments based on options provided under the plan.<\\\/p><p>Hamra offers a traditional pre-tax 401(k) plan as well as a Roth 401(k) option.\\u00a0Unlike a traditional pretax 401(k), Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire. Reference the attached fact sheet to help determine if the Roth option is a great option for you.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Hamra's Contribution\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>For every $1.00 you put in the program, Hamra\\u00a0will contribute .25 cents up to 4% of your salary.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Eligibility\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>To be eligible, you must have worked for Hamra for 12 months consecutively with more than\\u00a01,000 worked hours.<\\\/p><p>Once eligible, employees will receive information from Fidelity with information on enrollment.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Vesting\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>With our plans, you are fully vested after 6 years.<\\\/p><ul><li>1 year of service &#8211; 0% vested<\\\/li><li>2 years of service &#8211; 20% vested<\\\/li><li>3 years of service &#8211; 40% vested<\\\/li><li>4 years of service &#8211; 60% vested<\\\/li><li>5 years of service &#8211; 80% vested<\\\/li><li>6 years of service &#8211; 100% vested\\u00a0<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"New User Registration\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li>Visit\\u00a0<a href=\\\"http:\\\/\\\/www.401k.com\\\/\\\">www.401k.com<\\\/a><\\\/li><li>Verify your identity &#8211; full name, birthdate, last 4 digits of SSN<\\\/li><li>Create your account\\u00a0<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Username Guidelines\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><em>Create a unique username and avoid using personally identifiable information.<\\\/em><\\\/p><ul><li>Use 6 to 15 letters and\\\/or numbers<\\\/li><li>If your username is between 9 and 11 characters in length, it must contain at least two letters<\\\/li><li>Do not use personally identifiable information such as your SSN, telephone number, or date of birth.<\\\/li><li>Do not use 5 or more instances of a single number or letter, or easily recognized sequences (e.g., 12345 or 11111).<\\\/li><li>Do not use symbols, punctuation marks, or spaces. (e.g., #,@, \\\/, *, -)<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Password Guidelines\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><em>Create a unique password and avoid using personally identifiable information.<\\\/em><\\\/p><ul><li>Must be 8-16 characters in length.<\\\/li><li>Must have at least 1 number.<\\\/li><li>Must contain at least 1 upper case and 1 lower case letter.<\\\/li><li>May contain the following special characters:\\u00a0%'()+,-.\\\/:;&lt;=&gt;?\\\\^_|~<\\\/li><\\\/ul>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a17d924 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a17d924\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6486f2\" data-id=\"c6486f2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78cfe76 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"78cfe76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>401(k) with Company Contribution Looking forward to investing in your future? Hamra offers company-sponsored pre-tax 401(k) and Roth 401(k) options through Fidelity to our employees. What<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6668","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>401K - HAMRA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hamraenterprises.com\/pt\/401k\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"401K - HAMRA\" \/>\n<meta property=\"og:description\" content=\"401(k) with Company Contribution Looking forward to investing in your future? 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