Calyx is committed to supporting your financial well-being — today and tomorrow. The Calyx 401(k) Plan, administered by Fidelity, helps you prepare for retirement by offering an easy, tax-advantaged way to save for your future financial needs. Setting aside as much as you can during your working years can greatly improve your quality of life later.


Key Features

  • Contribute up to IRS limits (for 2024, $23,000; an additional $7,500 catch-up contribution is allowed if age 50 or older).
  • Choose to make before-tax contributions and/or after-tax Roth contributions, deducted from your paycheck.
  • Receive a discretionary company match of 100% of the first 3% of your contributions and 50% of the next 3% to a maximum match of 4.5% in those pay periods in which you contribute.
  • You are 100% vested in Calyx’s matching contribution after completing 5 years of service.
  • Choose from a variety of investment options

You may enroll in the plan or change your deduction percentage at any time by visiting Fidelity or calling 1-800-835-5097.

Meet the match!

Are you making your money work as hard as you do? Try to contribute at least 6% to take full advantage of the match — otherwise, you’re leaving free money on the table.

Manage your account

Visit the Fidelity website to enroll or manage your account:

  • Enroll in the plan
  • Check your balance
  • Change your contribution rate
  • Manage your investments
  • Update your beneficiary
  • Use planning tools and calculators
  • Access forms and documents

Automatic Enrollment

After 30 days at Calyx, if you have not enrolled in the plan, you will be automatically enrolled with an initial election to save 3% of your before-tax pay. Your contribution rate will automatically increase by 1% each year. Your contributions will be invested in the target-date fund most appropriate for your age. You may change your contribution and investment elections at any time by contacting Fidelity.

Be sure to name a beneficiary!

It’s important to designate a beneficiary to receive the value of your 401(k) account in the event you die before beginning to receive your benefit. As personal circumstances change, be sure to keep that information up to date. Visit the Fidelity website to add or change a beneficiary. Please note, the life and AD&D insurance beneficiary information you complete within the Mercer Marketplace 365+ website is not used for the 401(k) plan.

Catch up!

It’s not too late to make up for lost time. If you’ll be 50 or older this year, take advantage of the opportunity to contribute up to an additional $7,500 in catch-up contributions.

Before investing, carefully consider the funds’ or investment options’ objectives, risks, charges, and expenses. Call 1-800-835-5097 for a prospectus and, if available, a summary prospectus or an offering circular containing this and other information. Please read them carefully. Investing involves risk, including the risk of loss.


CAPTRUST ​Financial Advisors

CAPTRUST Financial Advisors is an independent advisory firm that works with the Calyx 401(k) Plan via Fidelity. They are designed to help participants discover if they are on track at reaching their financial retirement goals. When you reach out to the Advice Desk, they will provide a detailed account of what to expect and discuss the Retirement Blueprint. The Retirement Blueprint is an interactive retirement tool that is used to create a personal retirement analysis that is fit for you and your family's needs. Click here to learn more.