401(k) retirement savings


Regular full-time, temporary full-time, part-time, and intern (aged 21 and above) employees who are regularly scheduled to work at least 30 hours a week are eligible for the 401(k) plan.


The ABK 401(k) Plan is a savings plan for your retirement through Fidelity. You will be automatically enrolled in the plan at a 1% contribution rate after 30 days of service (or 30 days after 6 months of service for temporary full-time employees, part-time employees, and interns aged 21 and above). If you do not wish to contribute to the 401(k) Plan, you must change your contribution rate to 0% within 30 days of your eligibility date. Alternatively, you can contribute up to 75% of your base salary and 100% of your bonus each year on a bi-weekly basis through payroll deductions, up to the annual IRS limit of $23,000 for 2024. If you are over the age of 50, you can also make additional catch-up contributions up to $7,500 in 2024. You have the option to contribute to a traditional (pre-tax) or Roth 401(k) (post-tax) plan, or some combination of the two.

Additionally, you can contribute up to $69,000 for 2024 at a maximum of 20% of your income to an After-tax 401(k) with the option of an in-plan Roth conversion!

Note: If you have made contributions to another 401(k) during the year, you will need to manage your contributions to ensure you do not exceed the IRS annual limits.

Managing Your Account

You can change your contribution percentage and investments anytime. Please refer to the Contributions Change Guide for instructions on changing your contributions and allow for 2 payroll cycles to see the changes become effective. If you have questions about setting your contributions or which investments are best for you, you can meet with a Fidelity advisor for a complimentary advisory session. Additionally, all 401(k) participants are eligible for a complimentary advisory session with Fidelity. Log in to the Fidelity Member Portal or call Fidelity at 1-800-835-5095 to make changes or set up an advisory session.

Company Match and Vesting

Currently, the company will contribute on a discretionary basis to your savings by matching 25% of your total contribution (including the catch-up for those 50 or older) to the Traditional and/or Roth 401(k), up to the annual IRS limits. Employees are immediately 100% vested in the company match.

Note: Company contributions do not impact the annual IRS limits.

Rollovers and Withdrawals

You can rollover part or all of an eligible rollover distribution you receive from an eligible retirement plan. An eligible retirement plan is a qualified Section 401(a), a 403(a) annuity plan, a 403(b) annuity contract, an eligible 457(b) plan maintained by a governmental employer, and an individual retirement account and individual retirement annuity; pension plans cannot be rolled into the Plan. To start a rollover, log into the Fidelity Member Portal and select Quick Links> Rollovers> Start a Rollover> Rollover to Plan.

If you have a balance in your rollover contributions account, you may elect to withdraw all or a portion of it. Generally, withdrawals are also permitted when you terminate your employment, retire, reach age 59, become permanently disabled, or have a severe financial hardship as defined by the Plan. If you apply for a financial hardship withdrawal, you must first exhaust all other assets reasonably available to you and the minimum hardship withdrawal is $500. Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. You may also borrow from your account for any reason, but if you fail to repay your 401(k) loan (based on the original terms of the loan), it will be considered in default and treated as a distribution subject to income tax and possibly early withdrawal penalties.

  • To start a rollover, log into the Fidelity Member Portal and select:
    Quick Links > Rollovers > Start a Rollover > Rollover to Plan. 
  • To start a withdrawal, log into the Fidelity Member Portal and select: 
    Quick Links > Loans or Withdrawals > See Your Options.

For additional details, review the 401(k) Summary Plan Description.

Not everyone’s a money expert. That’s okay. That’s why Fidelity created How You Money, a group of videos made to help you tackle all your money questions. Pick yours: savings, investing, debt, fundamentals, retirement, and more.

529 college savings plan

A 529 Plan is a college savings plan sponsored by a state or state agency that can be opened with Fidelity. Savings can be used for tuition, books, and other education-related expenses at most accredited two- and four-year colleges and universities, U.S. vocational-technical schools, and eligible foreign institutions.

While contributions to the Plan are not deductible, earnings grow federal tax-free and are not taxed when the money is used to pay for eligible education expenses. To learn more and/or open an account, visit the 529 College Savings Plan Portal linked to the right.

financial coaching

My Secure Advantage (MSA) is a comprehensive financial wellness benefit available to you at no cost! By connecting with a Money Coach and taking advantage of MSA’s digital resources, you can build a stronger and more secure future no matter where you are in your financial journey.

Money Coach

By connecting with a personal Money Coach, you can build a stronger and more secure future no matter where you are in your financial journey.

  • No two stories are alike and your financial strategies shouldn’t be either - With MSA, you have access to a dedicated Money Coach for 90 days each year. It could be about creating a budget, increasing your credit score, paying down debt, or all three! Maybe you’ve got questions about planning for retirement, buying a home, or creating an investment plan. You get the idea. Whatever your financial focus or challenge, MSA has credentialed, skilled Coaches who can help.
  • Confidentiality and a real person to guide and support your goals - Think of your Coach as a personal financial guide, accountability partner, and chief motivator. Together you’ll create a plan that embodies your values, priorities, and goals – one that reflects and works with your life. MSA encourages your spouse/partner to join in the conversations too. All sessions are confidential, over the phone, and a half hour long.
  • No out-of-pocket cost, hidden fees, or charges - ABK has paid for this benefit, full stop. MSA’s coaches don't work on commission or sell any products. When you talk with a Money Coach, you can be sure that you’re getting unbiased, judgment-free guidance.

Assessment and Action Plan

Your financial future starts with understanding where you’re at today. Complete MSA’s financial assessment to learn how stressed (or not) you’re feeling about your finances. We’ll direct you to videos, guides, and other resources tailored to your needs and interests.

Private Financial Website

Online video courses, calculators, articles, legal forms, and more are at your fingertips. Schedule appointments, share files, and connect with your Coach on your secure website.

MSA Wallet

It’s easier than ever to budget, save, and get a clear view of your finances. See all of your accounts in one place! With 24/7 visibility, you can track spending, plan for the unplanned, reduce debt, and monitor your net worth. Your wallet is safe and secure with bank-level security and no data mining. Learn more. 

Credit & Identity Monitoring

Access your TransUnion credit score (updated every 30 days) and credit report (updated annually) right from your dashboard! It won’t hurt your credit score, and it’s confidential. You can also get 24/7 credit and identity monitoring with fraud alerts for suspicious activity. 

Live Events

Enjoy monthly webinars and live forums covering virtually all areas of finance and related life events. Related worksheets and handouts are also included.

The peace of mind that comes with having a plan for your money, along with the support and guidance from a Coach is leading people to better lives every day.

Ready to get started? Employees can visit the MSA website, while family members can call 888-724-2326 to activate their benefits.

tuition reimbursement


Regular full-time and regular part-time employees are eligible to participate after 6 months of continuous employment with ABK. To ensure that you are eligible, please obtain manager and HRBP approval before enrolling in courses.


Employees will be reimbursed after completing the course(s) with a grade of “B” or better, up to the following amounts annually:

Regular full-time employees:

  • $3,000 Certificate Programs
  • $5,250 Undergraduate Courses
  • $7,500 Graduate Courses

Regular part-time employees:

  • $1,500 Certificate Programs
  • $2,500 Undergraduate or Graduate Courses

Refer to the Tuition Reimbursement Program policy for instructions in SupportDesk on how to submit your application and request reimbursement.

health savings account (HSA)


The Health Savings Account (HSA) is available to all employees enrolled in the Collective Health CDHP plan.


An HSA is a personal savings account that you can contribute to pre-tax and can be used to pay for eligible expenses now, or later in life. It is administered by HealthEquity.

To participate in an HSA, certain rules apply:

  • You must be enrolled in the Collective Health CDHP
  • You do not have any disqualifying health coverage which includes but is not limited to, other non-high deductible health coverage or access to a general purpose Medical Flexible Spending Account (FSA)
  • You are not entitled to Medicare
  • You are not claimed as a dependent on someone else’s tax return

Your contributions are limited annually by the IRS (in 2024 $4,150 for employee only and $8,300 for families, with an additional $1,000 catch-up for those over age 55). Funds rollover from year to year and never expire, can be invested, and are triple tax-advantaged!

Can I make changes throughout the year?

Yes! You can change your contributions at any time by going to Workday > Menu > Benefits > Change Benefits > Change HSA. The change will be effective the first of the month if electing on the first, or the first of the following month.


Your HSA is made up of company contributions (company seed and Benefits@Play earnings) and your own contributions. All contributions count towards the IRS maximum limit. Your total contribution in Workday will be automatically reduced by the employer contribution; however, it does not account for Benefits@Play earnings. You can initiate an HSA benefit change in Workday throughout the year to account for what you have earned via Benefits@Play.

Funds are available as deposited from your paycheck and the company. If you have an expense that is larger than your current balance, you can pay out of pocket and then submit a withdrawal once enough funds have accumulated in your HSA.

Employees over age 55 can contribute an additional $1,000 in catch-up contributions. Below are the company funding amounts that you must consider when making your contribution elections.

Plan Type Plan Tier Seed Benefits@Play Earnings
CDHP Employee Only $250 $1,000
  Employee + Dependent(s) $250 $2,000


You can use your HealthEquity debit card to pay for eligible expenses. Should you pay out-of-pocket at the time of service, you can submit for reimbursement through the HealthEquity Member Portal. For more information, please refer to the HSA Information site or email memberservices@healthequity.com.


Funds in your account will rollover year to year and never expire. If you have funds in another HSA and would like to roll them over to your HealthEquity HSA, download the rollover form, and send the completed form to HealthEquity via mail, fax, or email.

Address:  HealthEquity 15 W Scenic Pointe Drive, Ste 100 Draper, UT 84020
Email: transfer@healthequity.com

flexible spending account (fsa)


The Flexible Spending Account (FSA) is available to regular full-time employees who are regularly scheduled to work at least 30 hours a week and medical plan enrollment is not required. If you’re enrolled in CDHP and not eligible for HSA, you can elect FSA as an alternative.


FSA allows you to set aside pre-tax dollars from your paycheck into an account to be used for eligible healthcare expenses. FSAs are funded by employee contributions only and are available immediately once elected. The amount you elect will be deducted from your paycheck on a pro-rated basis throughout the year.

Note: All unused funds are forfeited at the end of each calendar year and you cannot make changes to your election amount unless you experience a qualified life event and submit your changes within 30 calendar days. You are not automatically re-enrolled in this account annually, you must re-elect this account during open enrollment or within 30 calendar days during a qualified life event.


This account is managed by HealthEquity and funded as contributions are made from your paycheck. You will receive a debit card to use for payments on eligible expenses. Should you pay out-of-pocket for an eligible expense, you can reimburse yourself through the HealthEquity Member Portal. For more information, please refer to FSA Information.

health reimbursement account (hra)


The Health Reimbursement Account (HRA) is available to employees who do not have an HSA but are participating in the Benefits@Play program.


HRA’s are fully funded by ABK to help you pay for eligible medical expenses. HRA money rolls over from year to year while you are employed with ABK. Unused funds in this account are forfeited if you leave ABK or switch to the plan that offers the HSA. You can earn as shown below:

Plan Type Plan Tier Benefits@Play Earnings
PPO 500, In-Network, Centivo or Kaiser Employee Only $500
  Employee + Dependent(s)   $1,000
Waive Coverage   Sweepstakes Only


You can use your HealthEquity debit card to pay for eligible expenses. Should you pay out-of-pocket at the time of service, you can submit for reimbursement through the HealthEquity Member Portal. For more information, please refer to the HRA FAQ or email memberservices@healthequity.com.

dependent care account (dca)


Regular full-time employees who are regularly scheduled to work at least 30 hours a week are eligible for the dependent care account (DCA).


DCA is a flexible spending account that allows you to contribute a portion of your paycheck tax-free to pay for qualified dependent care expenses so that you and your spouse can either work or look for work. The IRS limits annual contributions to $5,000 on income tax returns if single or married filing jointly, and $2,500 if married filing separately. You can use your DCA to pay for care for children under age 13 that you claim as dependents, as well as adults or other relatives who are incapable of caring for themselves (if you provide more than 50% of their support).

Note: There is an extended grace period for the Dependent Care FSA. For the 2023 plan year, all unused funds remaining after April 15, 2024, will be forfeited. You will have until April 30, 2024, to reimburse yourself with your 2023 funds for expenses incurred between January 1, 2023 - April 15, 2024.

You cannot make changes to your election amount unless you experience a qualified life event and submit your changes within 30 days. You are not automatically re-enrolled in this account annually, you must re-elect this account during open enrollment or within 30 days during a qualified life event.

Additionally, DCA funds are subject to IRS discrimination testing annually; thus, the IRS may determine that you are ineligible for the full $5,000 election mid-way through the year. If you are impacted by this testing you will be notified by the benefits team and your election will be automatically reduced to the amount the IRS approves.


This account is managed by HealthEquity and funded as contributions are made from your paycheck. If you only have a DCA you will not receive a debit card to use for payment. Instead, all claims for reimbursement must be submitted through the HealthEquity Member Portal. If you have any other fund account (HSA, FSA, etc), you can use your debit card for payment. For more information, please refer to the DCA Information site or email memberservices@healthequity.com.

commuter account


Regular full-time employees who are regularly scheduled to work at least 30 hours a week are eligible for the commuter account.


You can set aside pre-tax and post-tax dollars to use towards eligible expenses to get to work. The Commuter Account is administered by WEX and enrollment is completed in Workday. The post-tax account is available if your commuter expenses exceed the monthly pre-tax limit, which is currently $315 per account.

You can elect both a Transit and/or Parking account depending on your needs:

Transit examples: Train, bus, subway, ferry, UberPOOL, Lyft Shared. 

Parking examples: At or near the office, or at a train or bus stop to get to work. 

You will receive a single commuter card from WEX. Funds will accumulate as they are deducted from your paycheck.To check eligible Commuter expenses, visit WEX’s website and filter by the Commuter plan. 

To enroll or make a change to your election, go to Workday > Menu > Benefits > Change Benefits > Change Commuter FSA. The change will be effective the first of the month if electing on the first, or the first of the following month.

early wage access

Payactiv is a financial wellness platform that provides an assortment of services including access to your earned wages before payday. You may access your earned wages using the Payactiv mobile app, website, or ATM (only at select locations) as long as you are actively at work (not on leave). 

With this service, you can:

  • Access other services including bill pay, savings and budgeting tools, discounts, and financial health counseling
  • Access up to 50% of your net earned unpaid wages (up to 3 transactions, not to exceed $750 in aggregate per pay period) for an ATM-like flat fee of $5 per deduction.
    • Accessible amount is based on your hours worked less any applicable taxes and bank deposits are available same day by 5pm EST for transactions completed by 1pm EST
    • The funds you access will be deducted from your next regular paycheck
    • There is no cost to enroll, no cost if not used, and no cost to cancel
    • You can use the Payactiv Prepaid Visa Card to transfer funds instantly even on weekends and federal holidays

Enrollment Options:

  • Online - Visit www.payactiv.com/enroll
  • Smartphone App - Download the Payactiv App from the Apple App Store or Google Play
  • By Text – Text “Enroll Me” to 1-877-937-6966  

For enrollment, you will need to provide your Employee ID number, which can be found in Workday (in parenthesis next to your name).

For customer support, please call 1-877-937-6966, email support@payactiv.com or visit www.payactiv.com/help

call of duty endowment

For about $12 a week, you can change the life of a veteran and their family. In 2021, 60% of U.S. veterans were underemployed. By electing to contribute to the Call of Duty Endowment through payroll deduction, you can help place a veteran into a high-quality job with every paycheck or as a one-time deduction. Additionally, you can double your donation’s impact by supporting The Endowment through ABK Gives Back, our Company’s charitable donation matching program. Through ABK Gives Back, you can donate directly to The Endowment or request a match by submitting your payroll donation receipt.

The Endowment is our company’s flagship charitable effort and the world’s largest and most effective private funder of veteran employment. Since its founding in 2009, the Endowment has placed more than 125,000 veterans into high-quality jobs. Every cent of your donation goes to veteran placement, as our company covers all of the Endowment’s operating costs. Through our highly effective model of funding the best U.S. and U.K. veteran employment organizations, we can put a veteran back to work for only $618. The Endowment has received many awards for its work, including GuideStar’s Platinum status – the highest recognition for impact and transparency among charities. 

abk gives back

ABK Gives Back is a charitable donation matching program that provides eligible employees the opportunity to make a difference through non-profits of your choice. The Company will match your personal contributions, dollar-for-dollar, up to $2,000 (or local equivalent) annually. You may donate directly to a non-profit through the ABK Gives Back platform, or request a match to a donation you made in the past 12 months. Regardless of how you decide to donate, ABK Gives Back extends your impact to the causes and communities that matter to you, and creates a collective impact in the communities we all support.

Log into the ABK Gives Back platform here via SSO to donate. Check out the ABK Gives Back Hub page to learn more about the program guidelines and FAQs.

homeownership coaching

Since 2017, ABK has partnered with Imagine Home Benefits (IHB) to provide you and your family with exclusive Homeownership Coaching services & savings!

If you are considering Buying, Selling, or Refinancing a home, start first by understanding the helpful time & money-saving services available at no cost through the Imagine Home Benefits program.

IHB understands the importance of confidentiality and offer step-by-step guidance tailored to your specific housing goals. Our proven strategy has assisted hundreds of teammates in overcoming obstacles that once hindered their homeownership. Our commitment is unwavering, and we invite you to allow us to help you navigate the various roadblocks standing in the way of achieving your dreams.

  • Unlimited virtual coaching 
  • Customized goal planning 
  • Generous Realtor & Lending credits! 
  • Educational events

Call Kristine Kobe at 310-292-4090 or kkobe@imaginehomebenefits.com to schedule a time to review your homeownership goals, current financial footprint, and potential options, then design a short and long-term plan to get you there. Convenient virtual consultations including evening and weekend availability.

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