Realizing that financial security is an important goal, Concentra offers eligible colleagues the Concentra 401(k) and Profit Sharing Plan administered by Fidelity Investments. The Plan has been designed to provide you with an opportunity to save for retirement and other future needs.

Here are some important reasons to participate in our 401(k) and Profit Sharing Plan:

• It will take 60% to 80% of an average employee's pre-retirement income just to maintain his/her lifestyle after retirement - currently Social Security contributes only about 20%.3
• Pre-tax contributions to the Plan reduce taxable income, and all investment gains grow on a tax-deferred basis.
• Roth after-tax contributions allow earnings to grow tax free.
• Convenient payroll deduction makes it the easiest way to save, since you pay yourself first.
• The Plan provides a wide array of investment options.

Eligibility

All colleagues are eligible to participate in the Plan including fulltime, part-time,and seasonal colleagues. New hires will be automatically enrolled in the Plan after 30 days of employment.  New hires will automatically receive an enrollment packet directly from Fidelity Investments upon initial eligibility.

Enrollment

Voluntary Enrollment. Upon employment, you may enroll at any time
after you receive your first paycheck by visiting 401k.com or by calling
Fidelity at 1.800.835.5097. Your election will not become effective
until you meet the eligibility requirements; however, this may provide
you the opportunity to make a different election than described below
regarding "automatic enrollment."

Automatic Enrollment for New Hires. Enrollment on a pre-tax basis at 4% of eligible compensation begins with the first pay period coinciding with or following 30 days of employment unless you have provided Fidelity Investments with an alternative deferral election or opted out of the Plan prior to this date. Automatic deferrals are invested in the Oakmark Equity & Income I (Balanced Fund).

You may change your investment elections anytime. If you do not wish to participate in the Plan and did not have the opportunity to opt out, you may request a refund. You may elect within 90 days of your automatic enrollment date to not participate in the automatic enrollment feature and to have any deferrals that have been made on your behalf returned to you by calling Fidelity at 1.800-835.5097. The amount you withdraw will be adjusted for any gain or loss and will be subject to federal income tax. You will lose the company match on your automatic contributions.

Contributions

You may contribute up to the allowable maximum percentage of eligible pay on a pre-tax and/or Roth after-tax basis up to the IRS limit. Changes to contribution percentages may be made at any time by logging on to 401k.com.

Colleagues who are at least age 50, or will attain age 50 by the end of the Plan year,may make catch-up contributions up to the IRS limit.

Vesting Schedule

Vesting means gaining ownership of company matching contributions and is based on your years of service, starting with your date of hire. You are always 100% vested in your own contributions.

Company Match

Concentra will make a matching contribution each pay period to

all eligible colleagues who are actively contributing to the Plan. The

matching formula is:

100% Company Match on the first 2% of participant's contributions

+ 50% Company Match on the next 4% of participant's contributions

= Maximum Company Match of 4% of eligible compensation if participant contributes 6%

Contact Information
To enroll, make election/contribution changes, investment funds elections or change, contact:
Fidelity Investments
401k.com 
1.800.835.5097