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American Katerra, LLC believes we are a company where employees are at the core of our success. It’s why we’re doing our best to provide benefits that support not just your career advancement but also your long-term financial health, that we offer. At American Katerra, the benefits your company offers are 100% inclusive. That’s exactly where you stand: giving you the benefits to grow your career potential and your financial well-being. One of the best benefits in particular that we offer today, a fully covered retirement plan powered by Vestwell – it will continue to grow through our partnership with Morgan Stanley. Designed to allow maximum flexibility, transparency and employee empowerment in savings decisions. Our 401(k) benefit is an absolute game changer.
An Innovative Environment for Quicker Saving
Gone are the days of complicated paperwork and cluttered interfaces. Our 401(k) plan uses Vestwell’s state-of-the-art digital savings platform, making onboarding and managing a quick and easy process. Both new and experienced, new and experienced team members of the company, we have been working on the very easy to use portals that help people to manage their own time (and their partners, and our programs) well, whether they are new to the organization or old. You should be particularly grateful for it in terms of managing this process – from registration to recording investment in a smooth manner.
Easy Onboarding and Administration
The onboarding specialists and client success managers make it easy to get started. And our solution, compatible with the largest payroll platforms including ADP and QuickBooks, also allows for more automatic contributions automatically, relieving you if you need to and not bogging you down with work time and effort.
Tech of the Future
Vestwell tech stack enables faster transactions alongside best-in-class security and AI-based tools identifying problems before they escalate to a major problem. It means more of your attention on your job and less on administrative busywork. For growing companies like American Katerra, this effectiveness really delivers value: we are better able to spend more money on our people instead of on our outdated systems.
A Flexible Plan Design That Meets Your Life
We know that one size doesn’t fit all when it came to retirement planning. That is why our Add-On plan delivers customizable features tailored to different needs, whether you are embarking on your career, or gearing up for the golden years.
Eligibility and Entry Options
No barriers here. Members with little to no necessary age or service need (with options from immediate entry, to hours based ). Entry dates are dynamic — they can be monthly, quarterly or semi-annually to fit in well with when you start.
Auto-Enrollment and Escalation
We help you easily build savings habits with our optional auto-enrollment. This strategy, called “set it and forget it,” has been known to increase participation, as well as long-term savings — without the need for continuous monitoring.
Contribution Options
Pre-tax and Roth deferrals are standard, providing tax flexibility. We also believe in corporate match and profit share and safe harbor contributions.
Vesting & Withdrawal flexibility
Choose from immediate 100% vesting or graded/cliff schedules. Need access to funds? Options include loans (one at a time, with a 5-year payback), hardship withdrawals and partial cash distributions at termination. This type of personalization allows our plan to reflect your individual financial objectives so that you can work out how to meet your financial plan today and secure your tomorrow more effectively.
Professional Investment Management With Expert Analysis.
Joining forces with Morgan Stanley brings you the world’s greatest knowledge and experience for your retirement savings. From the world of fiduciary duty and ongoing supervision and portfolio oversight, as a 3(38) investment manager, you can take that stress in your stride in the field of investment decisions.
Investment Management
A diverse portfolio of assets
Our passive funds include everything from large, mid, and small-cap equities; from international and emerging markets to bonds and global property.
Key features are the low-cost index funds Fidelity 500 Index (FXAIX) and BlackRock LifePath target-date funds (from retirement to 2065+) that automatically scale with your age for a hands-off way of investing.
We offer low investments to get higher returns
Our plan makes certain that you have more cash in your pocket.
Clear pricing (with no hidden fees) means you know exactly what you are paying, and for a small team like ours.
Morgan Stanley also offers education focused on the plan which includes digital courses, events and Financial Advisors with their own resources and can help anyone make wise decisions.
Tax Benefits and Long Term Benefits.
Our plan isn’t just about saving — it’s about saving wisely. Thanks to SECURE 2.0 legislation, American Katerra and similar businesses can get tax credits to help us keep the plan affordable and strong. For you, that means potential, employer contributions (e.g., matches or profit sharing) that increase your nest egg without added effort. Optional features, such as the Plan Document Maintenance Program keep you up to date with IRS news and make your benefits sustainable, for example.
Why This Is Important for Your Career at American Katerra.
In what is today’s competitive job market, benefits like our 401(k) plan show our investment in you instead. Beyond being a nice feature, such benefits are your lifeline as you build your financial future and help you break down milestones like purchasing a home, keeping education going or enjoying a comfortable retirement. Our team is at American Katerra. Today, and tomorrow — American Katerra is developing creative solutions to the world, and we aim not only to create opportunities but also help our employees become leaders in life. Please check our careers page for the latest on work opportunities and how we offer benefits to promote your career goals. We are ready to get the message for your personal and professional advancement, if you want help and guidance.
