401(k) Retirement Plan
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Key Features
Company Match
Nightwing helps grow your retirement savings by matching up to 4% of your eligible earnings.
Investment Management
The 401(k) plan offers competitive, well-diversified investment and brokerage account options, along with free online advice sessions and guided investment tools. If you need access to your savings while you’re still working, the plan also allows up to two loans.
IRS 2026 Contribution Limits
- The most you can contribute each year is $24,500 *.
- If you are age 50 to 59, you can defer an additional $8,000 * (known as Catch-Up Contributions).
- If you are age 60 to 63, you can defer an additional $11,250 * (known as Super Catch-Up Contributions).
* Internal Revenue Service (IRS) contribution maximums are subject to change.
All contributions, including the company match, are immediately vested. Please ensure you do not exceed the IRS contribution limits for the year, especially if you’ve contributed to other 401(k) plans with previous employers. You are responsible for monitoring your contributions across all employers to stay within the maximum allowed.
Manage Your Account
Log in to the Fidelity website or access the site through Okta. If you use Okta, you’ll go directly to your account without needing to enter a separate username and password.
Your 401(k) Transition to Fidelity
The blackout period for the transition is expected to end the week of October 25. Please refer to the below for more information.
Health Savings Account (HSA)
If you enroll in the Anthem Core HDHP or Anthem Plus HDHP, you have access to a Health Savings Account (HSA) with Fidelity.
The HSA is a tax-advantaged personal savings account that allows you to set aside pre-tax dollars to pay for qualified medical, prescription drug, dental, and vision expenses you have now or in the future. A full list of qualified expenses is available in IRS Publication 969.
How the HSA Works
Make contributions. In 2027, the IRS maximum limits on total contributions to your account are:
- $4,500 for single coverage
- $9,000 for all other coverage levels
- If you are age 55 or older, you can contribute an additional $1,000 (known as Catch-Up Contributions).
Never pay taxes. Contributions are made on a pre-tax basis, earn interest tax-free, and aren’t taxed when withdrawn for qualified healthcare expenses.
It’s your money. Unused money can be carried over each year and invested for the future. You can even take it with you if you leave Nightwing or retire.
Invest your account. Once your account balance reaches $1,000, you can invest it in mutual funds, giving your account more opportunity to grow.
Company Contribution
Nightwing will contribute to your HSA in early January if you enroll in the Anthem Core or Plus plan and have an HSA open with Fidelity. The contribution amount is based on your plan and coverage tier:
- Core: $375 individual / $750 family
- Plus: $750 individual / $1,500 family
Note: The employer contribution for new hires is prorated each quarter. For example, new hires joining in Q2 receive 75% of the Nightwing contribution.
Eligibility
To enroll in an HSA, you must:
- Have coverage through a qualified high-deductible health plan (HDHP); both Anthem HDHP plans qualify.
- Not be covered under any other non-HDHP insurance (through Nightwing or a family member’s employer).
- Not have coverage through Medicare or TRICARE.
- Not be claimed as a dependent on anyone’s tax return.
- Consult with a tax advisor with any questions or concerns.
HSA contribution limits include Nightwing’s contributions and are subject to change annually as determined by the Internal Revenue Service (IRS). It’s important to ensure you do not exceed the maximum if you have deposited funds into more than one HSA during the year. If you join the plan mid-year, we recommend prorating your annual contribution amount based on how many months you will be covered under a high-deductible health plan during the year. Please consult your tax advisor for assistance.
Manage Your Account
Log in to the Fidelity website or access the site through Okta. If you use Okta, you’ll go directly to your account without needing to enter a separate username and password.
Flexible Spending Accounts (FSAs)
Health Care Flexible Spending Account
Eligibility: Employees enrolled in a non-HDHP for medical coverage, including the Anthem PPO and non-HDHP plan options from another employer
Eligible Expenses: Medical, prescription drug, dental, and vision costs
2026 Contribution Limit: $3,400 *
* Internal Revenue Service (IRS) limits are subject to change.
Limited Purpose Flexible Spending Account
Eligibility: Employees enrolled in an HDHP for medical coverage
Eligible Expenses: Dental and vision costs; medical and prescription drug costs only after medical plan deductible is met
2026 Contribution Limit: $3,400*
* Internal Revenue Service (IRS) limits are subject to change.
Dependent Care Flexible Spending Account
Eligibility: All benefit-eligible employees
Eligible Expenses: Daycare, after-school care, and summer day camp for children under 13 or dependents of any age physically or mentally incapable of self-care
2026 Contribution Limit: $7,500, or $3,750 if you’re married and file taxes separately *
* Internal Revenue Service (IRS) limits are subject to change.
Manage Your Accounts
Log in to the Fidelity website or access the site through Okta. If you use Okta, you’ll go directly to your account without needing to enter a separate username and password.
It’s important to estimate your expenses carefully, as Flexible Spending Accounts are use-it-or-lose-it. That means if you do not use all the funds in your account by March 15, 2028, you will forfeit them. You have until March 31, 2028, to submit claims for eligible expenses to your FSA for reimbursement.
Commuter Benefits
To help ease the cost of your commute to work, we offer two tax-free commuter accounts through Fidelity — one for transit and one for parking. These accounts let you set aside pre-tax income to pay for eligible expenses.
The Internal Revenue Service (IRS) limits monthly contributions to each commuter account to $340 * in 2026. Funds carry over month to month, and you can start or pause contributions at any time during the year.
* Internal Revenue Service (IRS) limits are subject to change.
Eligible Expenses
- Transit: Passes, tokens, fare cards, or vouchers for mass transportation or vanpooling (six or more adults using 80% of the vehicle’s mileage to go to and from work).
- Parking: Parking at or near your office or where you park to commute by train, vanpool, or carpool.
How to Enroll
Commuter benefits are not part of Annual Enrollment — you can enroll at any time. To do so, log in to the Fidelity website or access the site through Okta. If you use Okta, you’ll go directly to your account without needing to enter a separate username and password.
Life and AD&D Insurance
Basic Coverage
Nightwing provides you with a base level of employee life and accidental death and dismemberment (AD&D) insurance. This coverage provides a benefit of $85,000.
Note: The Internal Revenue Service (IRS) requires you to pay taxes on the value of your company-paid basic life insurance in excess of $50,000. This amount is called “imputed income.” It’s calculated by subtracting $50,000 from your coverage amount, multiplied by an age-based multiplier set by the IRS. Imputed income is taxed now so your beneficiaries don’t have to pay taxes when they receive a life insurance payout. If you want to avoid imputed income taxes, you can opt to receive a flat $50,000 in basic life insurance during benefits enrollment.
Voluntary Coverage
See page 21 of the 2027 Benefits Guide for your voluntary coverage options.
Review Your Beneficiaries
Be sure to review your beneficiaries for your Life and AD&D Insurance during the enrollment process to ensure they’re up to date.
Additional Financial Benefits
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Group Legal
Nightwing offers a voluntary legal plan through ARAG that gives you access to a network of more than 15,000 attorneys for a small monthly fee. The plan includes unlimited phone advice and office consultations for a variety of personal legal matters, including wills and estate planning, real estate matters, tax audits, mortgage document preparation, and more.
For more information, see the Group Legal flyer on the Resources page. You can also visit ARAGlegal.com/plans and enter access code 19221nwg, or speak with a representative by calling 800–247–4184.
ID Theft Protection
Nightwing offers ID theft protection through the Allstate Identity Protection Pro+ Cyber Plan. The plan offers comprehensive fraud monitoring, powerful mobile cybersecurity, and the ability to see and manage your personal data all in one place. If fraud occurs, Allstate provides full-service remediation and may reimburse stolen funds and eligible expenses.
For more information, see the ID Theft Protection flyer on the Resources page. You can also visit myaip.com or call 800–789–2720.
Auto and Home Insurance
Protect what matters most with group auto and home insurance through Farmers. This voluntary benefit offers competitive rates that are typically lower than what you might find on your own, along with access to multiple coverage options.
For more information, see the Auto and Home Insurance flyer on the Resources page. You can also visit myautohome.farmers.com and enter access code FS8, or speak to a representative by calling 800-438-6381.