Eligibility

You are immediately eligible to join the plan upon hire.

Enrollment

Join your plan online.

Contributions

You can decide the amount to contribute. You can contribute as little as $10 per pay check and can change your contribution amount at any time. Log in to your account access to change your contributions.

Vesting

Vesting refers to your ownership of the money in your account. You are always 100% vested in your own contributions and their earnings.

Investments

Your contributions will be invested in the funds that you select, and the value of your account will fluctuate based on the performance of the funds. Carefully review your investment options before making your selections. You can make changes to your investments at any time.

Withdrawals

Tax-free withdrawals, including earnings, if:

1. You’ve owned a Roth IRA for 5 years*

and

2. You’re older than age 59½, make a qualifying first-time home purchase, or have a disability**

*5-year holding period as defined by the IRS.

**Otherwise, income and penalty taxes may apply.

Loans

Payroll Roth IRA balances are not eligible for loans.

Beneficiaries

Review and update your beneficiary designation(s) as you experience life-changing events.

To update your beneficiary information online, log in to your MissionSquare account.

Account Information

Log in to manage your account, sign up for e-Delivery and text updates, and update your personal information.

Learn how to protect your account through the MissionSquare Security Guarantee.