Retirement

Start saving early for a secure retirement with our pretax 401(k) plan. Below are details related to enrollment and the profit sharing.

You are automatically enrolled in the 401(k) plan at 3% once you become eligible. You can change your contribution amount at any time throughout the year.

The Golden Touch Group offers the tax-advantaged 401(k) plan through Principal. For details on your account, contributions, investments, rollovers, loans, or withdrawals, log in to principal.com.

In-Network Benefit Highlights

Deductible (Individual/Family)
$XX/$XX

Out-of-Pocket Max (Individual/Family)
$XX/$XX

Preventive Care
$XX

Primary Care Visit
$XX

Specialist Visit
$XX

Urgent Care
$XX

Emergency Room
$XX

Who is Eligible for the 401(k)?

All US-based employees over the age of 21 are eligible to participate in the company’s retirement savings plan.

How Do I Enroll in the 401(k)?

You can enroll in the retirement savings plan by visiting your plan provider’s website and registering with your personal information. Once registered, you’ll be able to select your contribution percentage.

Designate a Beneficiary

Don’t leave the decision up to someone else if something happens to you before retirement. Always designate a beneficiary to ensure the money in your account goes to a loved one.

Increase Your Retirement Savings with a 401(k)

  • Golden Touch Group provides a discretionary profit sharing contribution. Eligibility begins after 1 year of service. See the vesting schedule below.
    • <1 Year: 0%
    • 1 Year: 0%
    • 2 Years: 20%
    • 3 Years: 40%
    • 4 Years: 60%
    • 5 Years: 80%
    • 6 Years: 100%
  • Contribute using convenient payroll deductions up to the IRS limit of $23,500 per year.
  • Change the amount of your contributions or stop your payroll contributions at any time.
  • Decide how to invest your 401(k) or allow the plan to choose for you.
  • The 401(k) contribution limit for employees age 50 or older is $31,000 in 2025.