401(k) Retirement Savings Plan

Modera has established a 401(k) savings and investment plan to provide employees the potential for future security for retirement.

Feature	Detail
Plan Name	401(k) Retirement Savings Plan
Plan Type	401(k)
Eligibility	You are eligible to join the plan if you are 21 years of age or older. There is no waiting period, and you may join on the first day of the next calendar month after the onset of your employment.
Entry Dates	First day of the next calendar month after the onset of your employment.
Contribution Types	Pre-tax, After-tax (Roth). You may elect to have your contributions to the 401(k) plan deducted on a pre-tax or after-tax (Roth) basis.
Contribution Limit — Under age 50	$24,500 (2026)
Contribution Limit — Age 50 or older catch-up	$8,000 (2026)
Contribution Limit — Age 60-63 catch-up (instead of $8,000)	$11,250 (2026)
Contribution limits publication note	Contribution limits are subject to change annually. The IRS had not yet announced 2027 limits at the time this guide was produced.
Plan Details	Complete details of the 401(k) savings and investment plan are described in the Summary Plan Description, which can be found on the company’s intranet site.

Plan Name

Plan Type

Eligibility

Detail: You are eligible to join the plan if you are 21 years of age or older. There is no waiting period, and you may join on the first day of the next calendar month after the onset of your employment.

Entry Dates

Detail: First day of the next calendar month after the onset of your employment.

Contribution Types

Detail: Pre-tax, After-tax (Roth). You may elect to have your contributions to the 401(k) plan deducted on a pre-tax or after-tax (Roth) basis.

Contribution Limit — Under age 50

Contribution Limit — Age 50 or older catch-up

Contribution Limit — Age 60-63 catch-up (instead of $8,000)

Contribution limits publication note

Detail: Contribution limits are subject to change annually. The IRS had not yet announced 2027 limits at the time this guide was produced.

Plan Details

Detail: Complete details of the 401(k) savings and investment plan are described in the Summary Plan Description, which can be found on the company’s intranet site.