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우선, 401k 에 대해서는 다음과 같이 써있습니다.
401k Plan – Fidelity
**Pre-tax savings plan with company matching contribution (100% of the first 3% that you contribute and 50% of the next 2%). Immediate Vesting. Must contribute to receive the company match.
**Automatic Enrollment Feature – New hires and rehires are automatically enrolled at 3% of pay with an employer matching contribution of 3% unless an election not to contribute is made.
**Loans and Hardship Withdrawals available subject to certain limits.
**2021 Elective Deferral Limit – $19,500. If 50 or older, may contribute an additional $6,500 (Separate election – Not eligible for matching contribution).첫번째 항목과 두번째 항목이 이해가 가지 않습니다. 첫번째 항목에 의하면, 회사가 4% 를 매치하겠다는 뜻인지요? 그리고 두번째 항목은 첫번째와 어떻게 연결이 되는지요?
그리고, AD&D 는 다음과 같이 써있습니다.
Life and AD&D Insurance – MetLife
**Company paid Group Term Life and AD&D coverage of 2 times base pay to $500,000. Coverage reduces to 50% at age 70.
**Can elect $50,000 to avoid imputed income on amounts over $50,000.
**Supplemental Life*- May purchase the lesser of 5 times salary or $500,000. Coverage for spouse and children is also available. Cost is determined by your age and amount of coverage.첫번째와 두번째 항목, 이해 도움 부탁드립니다.