* Open enrollments are during the months of January and July.
* Contributions will be tax deferred, meaning they will be deducted before payroll tax is calculated.
* You will be vested at 20% after your second year of employment.
* You will be vested at 40% after your third year of employment.
* You will be vested at 60% after your forth year of employment.
* You will be vested at 80% after your fifth year of employment.
* You will be vested at 100% after your sixth year of employment.
* Should your employment be terminated before your six year anniversary, you will receive the
percentages listed above. You will always own 100% of your own contributions.