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401K Annual Increase Reminder

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Annual Increase Program Elections via Fidelity Website

As a reminder, for Flight Attendants who participate, Fidelity Plans provide for the Annual Increase Program. The Annual Increase Program allows you to increase your contribution amount by a certain percentage each year. Manage this election from the Fidelity website at www.401k.com >> Accounts & Benefits >> Manage Contributions where you can update the amount of the increase, the date of the increase or opt in/out of the program at any time. You may contribute as little as 1% to as much as 100%.

The Annual Increase Program should not be confused with the Automatic Enrollment and Escalation feature provided for in Section 29.I.1.d.(3) of our contract, which is implemented at the company's discretion.

Automatic Enrollment & Escalation Feature Under the Contract

Effective as of January 1, 2017, management added an automatic escalation feature to the United Airlines Flight Attendant 401(k) plan. As provided for in Section 29.I.1.d.(3)., the 401(k) plan may include an Automatic Enrollment and Escalation feature at the Company's discretion. Flight Attendants may elect to opt out of either feature.

Unless you opted out of the program, you have been automatically enrolled in the annual increase program which will increase the amount you contribute to your 401(k) account by 1% each year until you are contributing 10% to the plan. The increase is effective on your step increase date or pay anniversary until you are contributing a total of 10% between pre-tax and/or Roth 401(k) contributions.

  • If you have reached your 13th year or higher of the seniority step pay increases, the 1% annual increase will occur on the anniversary of your seniority step increase date, until the 10% is reached.
  • If making pre-tax contributions, the 1% increase will apply to your pre-tax contribution percentage.
  • If you are making Roth 401(k) contributions, your Roth 401(k) percentage will increase instead.
  • If you are only making post tax contributions, the automatic increase will not Post tax contributions are not included in this program.

If you are making both pre- and post-tax and/or Roth 401(k) contributions, your pre-tax and/or Roth 401(k) contributions will be increased until you are contributing a total of 10% between these two contribution types.