401(k) Retirement Plan

Preparing for the future is an important part of financial planning. isolved sponsors a 401(k) Plan through Fidelity to help you build your nest egg through a variety of investments. It’s never too early—or too late—to start saving.

Eligibility

You are eligible to participate in the 401(k) plan any time after the first of the month following your date of hire if you are at least 21 years of age. When you enroll, you may designate beneficiaries and allocate your asset distribution at any time throughout the year. You do not need to wait for open enrollment to make changes.

401(k) Contributions

When you become eligible to participate, you will be auto-enrolled at 6% of your pay
deducted from your paycheck on a pre-tax basis, unless you elect otherwise. On an
annual basis, your Elective Deferral will be increased by 1% by the company unless you opt
out of the automatic escalation in your Fidelity NetBenefits account. You also have the
option to contribute on a Roth and After-Tax basis to your 401k plan.

In-Plan Conversions
If you would like to convert either pre-tax or after-tax funds to Roth via an in-plan
conversion, please call Fidelity at 800-603-401. You can request Fidelity perform either a
one-time conversion or opt into an automated daily conversion. Conversions cannot be
reversed; we recommend consulting a tax advisor for more information on tax implications
before requesting a conversion.

*If you convert after-tax contributions, you will owe taxes on any investment earnings
generated before your conversion date. Income taxes are not withheld at the time of
conversion.

*If you convert pre-tax contributions, you will owe taxes on your contributions as well as
any investment earnings that were generated before your conversion date. Income taxes
are not withheld at the time of the conversion.

Vesting Schedule
isolved matches your contributions at 50% of the first 6% you contribute. The employer
match is performed on a per pay basis and is subject to the company’s vesting schedule:

• 1 year of service: 25%
• 2 years of service: 50%
• 3+ years of service: 100%

Only the isolved employer match is subject to the vesting schedule. Your personal
employee deferrals are always 100% vested.

Get involved in your investment strategy by selecting options that make sense for your age
and risk tolerance. Do that and more at fidelity.com.

Helpful Tips on Saving for Retirement

• • Start saving as soon as possible to grow your retirement account.
  • Begin with small contributions, if necessary, and increase contributions over time.
  • Make setting aside money for retirement a habit.
  • Understand investment returns may fluctuate.
  • Let it sit. Avoid penalties by leaving funds in your 401(k) until retirement.
  • If you change jobs, you can roll over your retirement account.