FINANCIAL WELLNESS

Financial Wellness

Planning for your future is important, and our 401(k) Retirement Savings Plan makes it easy to start saving. You can contribute a portion of your paycheck on a pre-tax or Roth (after-tax) basis, helping you grow your savings over time through investment options that fit your goals. In addition, White Castle also contributes to your retirement through a Profit Sharing Plan—this is an employer-funded contribution made annually, based on company performance. Together, these plans offer a valuable opportunity to build long-term financial security and support your retirement goals.

401(k) RETIREMENT SAVINGS PLAN

401(k) Retirement Savings Plan

Eligibility

Deferral Eligibility: 1st of the month following 30 days of employment

Match Eligibility: One year of employment and 1,000 hours worked

Employer Match

White Castle matches 100% of the first 3% and 50% of the next 2%.

All contributions are 100% vested!

Contact

For more information and access to the Vanguard site, go to http://www.ownyourfuture.vanguard.com/ or call Vanguard at 800-523-1188.

PENSION SERVICES

Pension Services

Available for anyone who has a pension benefit, but has not yet started payment. For questions, contact the White Castle Benefits Team at 614-559-2678 or by email at myhealth@whitecastle.com.

Pension Assistance:

You can request a retirement election package, ask for an estimate, and get answers to general questions about your pension benefits. This does not impact your pension benefit that you may be entitled to receive in the future.

Contact the Aon Pension Service Center at 855-202-6347 from 9am - 5pm CST Monday - Friday (voicemails returned within 24 hours) or visit the website at ypr.aon.com/whitecastle.

PROFIT SHARING PLAN

Enrollment

You are automatically enrolled in the plan after completion of one year of service.

Vesting

Account vests in 20% increments over a six-year period. Contributions vest on the participant's anniversary date.

First Anniversary	0%
Second Anniversary	20%
Third Anniversary	40%
Fourth Anniversary	60%
Fifth Anniversary	80%
Sixth Anniversary	100%

Contributions

White Castle uses a formula to determine how much of a contribution will be made each year. The contribution is based on the amount of profile White Castle earns and is allocated to all participants based on their compensation that year.

Additional Contributions: Plan forfeitures and earnings (losses)

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