ST. VINCENT CHARITY MEDICAL CENTER RETIREMENT SAVINGS PLAN Contribution & Employer Match

ST. VINCENT CHARITY MEDICAL CENTER RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

ST. VINCENT CHARITY MEDICAL CENTER RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

• Participants eligible to make salary deferrals may elect to defer up to 90% of their compensation as defined by the Plan on a pre-tax basis.
• Employees who have not declined participation in the Plan or completed a salary deferral agreement as of the date of their eligibility to participate in the Plan will be automatically enrolled in the Plan with a pre-tax deferral of 2%, and their contributions are invested in a designated fund until changed by the participant.
• For each period a salary deferral election is in effect, employees are eligible for employer matching contributions.
• Employees who have a deferral election of less than 4% will be automatically increased by 1% per year to a maximum deferral of 4%.
• Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.

• Vincent Medical Group (SVMG) employees must be employed on the first and last day of the plan year and complete 1,000 hours of service during the year to receive employer matching contributions.
• For the SVMG employees, the System contributes 33% of the first 6% of eligible compensation that a participant contributes to the Plan.
• For non-SVMG employees, the System contributes 50% of the first 4% of eligible compensation that a participant contributes to the Plan.

• Participants are immediately vested in their contributions plus actual earnings thereon.
• Participants become fully vested in employer contributions after three years of credited service or in the event of disability, death, or retirement of the participant.