401(k) Information

Updated December 03, 2025 16:06

Samsung 401(k) Plan

The Samsung 401(k) Plan offers an opportunity for you to meet your financial goals in retirement.

Your 401(k) Plan

Your Samsung 401(k) Plan account grows over time with:

Your contributions.
Samsung’s contributions.
Potential gains from the plan’s investment options¹ that you select.

Fidelity administers the Samsung 401(k) Plan.

¹ Investments aren’t guaranteed to increase in value and are subject to market volatility, including decreases to account value.

Eligibility and enrollment

You’re eligible to contribute to the 401(k) Plan without a waiting period once your information has been transferred to Fidelity.

You can enroll in or stop contributing to the 401(k) Plan at any time. Go to NetBenefits.com or call 1-800-835-5095.

Manage contributions

Log in to NetBenefits.com to enroll or change your contributions at any time.
You must create a PIN and complete the New User Registration.

Add or update beneficiaries

Contributing to the 401(k) Plan

Types of contributions

You can contribute in three ways:

Pre-tax

Contributions are deposited before taxes are deducted from your pay.
Reduces your taxable income now, but you’ll pay taxes when you withdraw from your 401(k) Plan later.
Contribute up to 80% of your base salary.
Eligible for the company match.

Roth after-tax

Contributions are deposited after taxes are deducted from your pay.
Reduces your take-home pay, but you won’t pay taxes when you withdraw from your 401(k) Plan later.
Eligible for the company match.

Regular after-tax

Not subject to IRS limits.
Not eligible for the company match.

Your contributions

You can contribute up to 80% of your base salary on a combined pre-tax and Roth after-tax basis up to the IRS limit, which is $23,500 in 2025. You can change that percent through the year.
You can contribute up to 80% of your bonus pay as a separate deferral election.
If you’re 50 or older in 2025, you can contribute an additional $7,500.
You can contribute on a pre-tax, Roth and after-tax basis. Each option has its pros and cons. If you’re not sure which is best for you, talk with a Fidelity or CAPTRUST representative to discuss your options.
You’re 100% vested in the part of your account balance that comes from your contributions, including rollovers.

2026:

Standard limit: $24,500
Age 50 or over catch-up: +$8,000 (Total: $32,500)
Age 60-63 special catch-up: +$11,250 (Total: $35,750)

Samsung’s contributions

When you contribute, you’re automatically eligible for the Samsung match.

Samsung matches 100% of the first 3% you contribute, and 50% of the next 3% you contribute (applies to pre-tax or Roth after-tax contributions, but not both) for a maximum company contribution of 4.5%.
Your matching contributions from Samsung are 100% vested immediately.
In 2025, the maximum compensation considered for the 401(k) Plan is $350,000.

Investing your 401(k) funds

The plan includes investment options that range from conservative to aggressive, making it easy to diversify your portfolio. How you invest your 401(k) Plan funds, including matching contributions from Samsung, is completely up to you.

You can change your investment options any time on NetBenefits.

An extra layer of financial guidance

In addition to the resources available through Fidelity, you also have access to a dedicated team of financial advisors who can answer your questions about investment strategies, retirement planning and more — all at no cost to you.

CAPTRUST serves as an additional, independent advisory service, empowering you to make the most of your retirement savings. Connect with a CAPTRUST advisor by calling them or visiting the website below.

Advice Desk: 800-967-9948
CAPTRUST Scheduler
CAPTRUST Resources

This is designed to complement your existing resources and help you feel more confident in your financial future.

Additional features

The following options are also available to help you meet your retirement savings goals:

After-tax contributions: Allows you to save beyond the annual IRS limits on pre-tax and Roth contributions.
Roth In-Plan conversions: You can convert vested non-Roth money in your Samsung 401(k) Plan to a designated Roth account within the plan.
Automated Roth In-Plan conversions: You can automatically convert after-tax contributions to your plan’s Roth account to help limit future tax consequences.

The decision to make after-tax contributions and use a Roth In-Plan Conversion as part of your retirement plan depends on several factors that require careful consideration before initiating these plan changes. You should consult your tax or financial advisor regarding your situation.

Contact

Fidelity

NetBenefits.com
1-800-835-5095

Locate in microsite here: https://yoursamsungbenefits.com/financial-health/401k/