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Merrill lynch 401k for walmart?
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Merrill lynch 401k for walmart?
What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your hire date. Our 401k vendor has changed from Wells Fargo to Merrill. You may also roll over to the Plan funds owed to you … HOW TO GET A WALMART 401K HARDSHIP WITHDRAWAL & IRS TAX RULES WITH MERRILL LYNCH, CRD DISTRIBUTIONS AVAILABLE ON OR AFTER APRIL 20, 2020 … Walmart Associate Benefits Review: 401k with Merrill Lynch,Associate Stock with Computershare,HSA with Health Equity, OneWalmart, How to get Matching … A lost opportunity to grow your savings. Updated 01/17/14 Walmart 401(k) Plan Beneficiary Designation Form A Page 2 of 2 Step 3 If my spouse and none of the persons I have designated on the front is living when my 401(k) plan accounts are paid after my death, I designate the person(s) listed below as beneficiary(ies) of my Merrill A Bank of America Company for the best printing results, change page orientation to landscape Merrill, is a subsidiary of Merrill Lynch & Co. The guidance, issued in Notice 2023-54, provides relief with respect to certain provisions of the required minimum distribution rules that Congress changed as part of The Walmart 401(k) Plan 314 The Associate Stock Purchase Plan (ASPP) 342 For more information 354 The Associates' Health and Welfare Plan. Explore our digital tools and resources to give you clarity at each step in your retirement planning journey. • Until May 1st you can request a loan extension by calling Merrill at 888-968-4015. Bow Valley Square III 255 5th Avenue SW. Calgary, AB T2P 3G6. Just a reminder, your app store site has its own privacy and security policies. Walmart 401 (k) Plan eligibility in which you are credited with at least 1,000 hours of service. Take a close look at the photograph. Both the traditional and Roth 401k is offered through Merrill Lynch. Please enter your U Social Security/Assigned Account Number. Get started with retirement savings. Get started with retirement savings. Are Not FDIC Insured: Are Not Bank Guaranteed: May Lose Value: Are Not Deposits: Are Not Insured by Any Federal Government Agency: Are Not a Condition to Any Banking Service or Activity To change your authorization code settings, go to the Security Center after you log in. Your advisor is available through Secure Message Center, by phone, email, or text If I take a loan, can I still contribute to my 401 (k) while repaying it? Find answers to your questions about financial benefits at Walmart, including information on the 401k plan, extra insurance, and more. Walmart offers a robust 401(k) Plan with various account types, cost effective investment options and an employer match. Use the information in that paperwork to let Merrill Lynch know what to do with your 401(k) funds. Online Access Guides for 401 (k) accounts and Equity Awards. Can I access my 401(k) online? Yes, the easiest way to access your Merrill Lynch 401(k) is online. Reply reply If you are new or returning user who has never created a username previously, login here. Walmart can be a great place to save money on groceries. Bank of America Merrill Lynch and its associates do not provide tax, accounting or legal advice. Members Online • IAmAlligatorBlood. Merrill A Bank of America Company for the best printing results, change page orientation to landscape. Amount of withdrawal Ordinary income taxes Early withdrawal taxes This will allow you to self manage if you choose to or you can choose relevant ETF's which are basically what Merrill Lynch is doing for you. com, or use the Benefits Online app for iOS and Android. I worked at Walmart for almost two years, took advantage of the 100% match for 6% of pay Leave it as-is (as a 401k with Merrill) or explore rolling it over to an IRA. Walmart 401(k) Plan Information Walmart, one of the world's leading retailers, provides a comprehensive 401(k) plan for its employees. Bow Valley Square III 255 5th Avenue SW. Calgary, AB T2P 3G6. Here's a look at what you need to do to execute a successful 401k rollover. Any fees you pay are used to cover the cost of processing your loan, and are not paid back to your account. The rules of the IRA, Roth IRA, or employer plan that Walmart 401k with Merrill Lynch, How to Save $10,000 A Year for Retirement. com, or use the Benefits Online app for iOS and Android. Be more prepared for retirement Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed. Retirement and benefit services provided by Merrill. Step 1 of 5 Enter your verification number. Beneficiary designation You can add or update your beneficiary information on Benefits OnLine. Online Access Guides for 401 (k) accounts and Equity Awards. Are there any other differences? 5. If you are under 50 years old, you can contribute a maximum of $18,000. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Simpler navigation, more information. Get the free mobile app. You may also roll over to the Plan funds owed to you … HOW TO GET A WALMART 401K HARDSHIP WITHDRAWAL & IRS TAX RULES WITH MERRILL LYNCH, CRD DISTRIBUTIONS AVAILABLE ON OR AFTER APRIL 20, 2020 … Walmart Associate Benefits Review: 401k with Merrill Lynch,Associate Stock with Computershare,HSA with Health Equity, OneWalmart, How to get Matching … A lost opportunity to grow your savings. Additional information is available in our Client Relationship Summary. Roth IRAs have no RMDs in retirement. I called the merril lynch number. com Participant service contact. Are there any other differences? 5. com or by calling Merrill … Compare the features of retirement accounts available at Merrill, find out which ones you're eligible for and learn about details like contribution limits and potential tax advantages. I worked at Walmart for almost two years, took advantage of the 100% match for 6% of pay Leave it as-is (as a 401k with Merrill) or explore rolling it over to an IRA. Learn more about Merrill's background on FINRA's BrokerCheck. We explain Walmart's payment policy inside. Answer See 29 answers. Life Priority: Finance Article estimated time to read 5 min. Merrill Lynch Life Agency Inc. Starting May 1st these will be available for processing online. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing Definitely won't be using this company if I ever leave my job and set up a 401k on my own. 1 Enter your verification number. So the number for people services is 800-421-1362 Just call them and let them know that you need the 800 number For Merrill Lynch and they will give it to you. What should I consider when choosing between pretax and Roth? 6. 1 You have choices about what to do with your 401(k) or other type of plan-sponsored accounts. Wealth management firm Rebalance recently announced the launch of a new 401(k) p. Thinking about rolling 99% of my Traditional 401k and Roth 401k accounts from Merrill Lynch to Robinhood for several reasons: 3% additional match with Robinhood and the ability to choose from a larger amount of investment choices, not just mutual funds. Benefits OnLine®. Saving and investing is only the first step in retirement planning. It will remain with BAML (Bank of America Merrill Lynch) until you roll it over. These options allow you to create a well-diversified portfolio based on your risk tolerance and retirement goals. Merrill, which functions as Bank of America's investment and wealth management division, exposed 1,883 individuals, likely employees of Walmart. Access your Benefits OnLine account, view your plan details, and manage your investments with Merrill Lynch. Bank of America Merrill Lynch Important: This publication provides general information about fiduciary ideas and strategies for retirement plans. The guidance, issued in Notice 2023-54, provides relief with respect to certain provisions of the required minimum distribution rules that Congress changed as part of The Walmart 401(k) Plan 314 The Associate Stock Purchase Plan (ASPP) 342 For more information 354 The Associates' Health and Welfare Plan. These employer-sponsored retirement plans offer a range of benefits, including the opportunity to save for the future with tax advantages. Adam McCann, WalletHub Financial WriterApr 10, 2023 The Capital One Walmart Rewards® Mastercard® is a popular credit card that can help frequent Walmart shoppers save a lot of mone. We would like to show you a description here but the site won't allow us. Reply reply If you are new or returning user who has never created a username previously, login here. ) Investing in Individual Funds or Retirement Date Funds3. IRAs have large investment selections. Simpler navigation, more information. What should I consider when choosing between pretax and Roth? 6. Get the free mobile app. For the most current information about a financial product, you should always check and confirm accuracy wi. Just a reminder, your app store. 2024 Associate Benefits Book | Questions? Log on to Onecom or call People Services at 800-421-1362 Eligibility, enrollment, Bank of America is a marketing name for the Retirement Services business of Bank of America Corporation ("BofA Corp Banking activities may be performed by wholly owned banking affiliates of BofA Corp. Use the information in that paperwork to let Merrill Lynch know what to do with your 401(k) funds. This helps us verify your identity and provide you with a high level of security. IRAs have large investment selections. Both types of account are vulnerable to IRS tax levies an. 27 bailout of a 3 billion yuan ($495 million) investment product in danger of going bus. storming crab buffalo ny menu Investment products: Are Not FDIC Insured Are Not Bank Merrill Document Processing Lexington, KY 40512-9706. Consider the following factors: a) Tax implications: There may be tax consequences to closing your 401(k) account. Mostly just Walmart stuff I signed up for roth ira with my bank but they need the account number for my 401k. Are there any other differences? 5. Me and my wife moved her 401k over and are doing considerably better on our on than the Walmart defined funds. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its. You may also roll over to the Plan funds owed to you … HOW TO GET A WALMART 401K HARDSHIP WITHDRAWAL & IRS TAX RULES WITH MERRILL LYNCH, CRD DISTRIBUTIONS AVAILABLE ON OR AFTER APRIL 20, 2020 … Walmart Associate Benefits Review: 401k with Merrill Lynch,Associate Stock with Computershare,HSA with Health Equity, OneWalmart, How to get Matching … A lost opportunity to grow your savings. I looked up some of the investment choices in your plan, there are some you can choose that are low cost fairly safe investments (Such as treasuries and other bond funds) and some. @EricSchaefer • 08/05/15 This answer was first published on 08/05/15. For more information visit our rollover page or call Merrill at 8883343. You could however roll it into another kind of account like a Roth IRA. 7455) Merrill Advisory Center Clients: 1654. " Merrill A Bank of America Company for the best printing results, change page orientation to landscape Merrill, is a subsidiary of Merrill Lynch & Co. Even a seemingly small 3% fee can deplete your account by thousands of dollars. Online Access Guides for 401 (k) accounts and Equity Awards. Merrill A Bank of America Company for the best printing results, change page orientation to landscape Key Features of Walmart's 401(k) Plan. Retirement and benefit services provided by Merrill. 6dpo pregnancy test Best bet is to leave it there until you retire. Object moved to here. Access your Benefits OnLine account, view your plan details, and manage your investments with Merrill Lynch. Are there any other differences? 5. By clicking on the App Store and Google Play icons, you're going to be taken to your app store. Merrill Lynch Life Agency Inc. But this isn't always true. • Until May 1st you can request a loan extension by calling Merrill at 888-968-4015. 88 Wal-Mart Stores Inc is sticking with Bank of America's Merrill Lynch unit to run its 401(k) program with $18 billion in assets, Wal-Mart confirmed on Tuesday. Take the time to explore. Thinking about rolling 99% of my Traditional 401k and Roth 401k accounts from Merrill Lynch to Robinhood for several reasons: 3% additional match with Robinhood and the ability to choose from a larger amount of investment choices, not just mutual funds. What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your hire date. apush princeton review 2023 pdf Continue to mobile site. What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your hire date. Continue to mobile site. Learn more about Merrill's background on FINRA's BrokerCheck. Find the details inside. SIPC insurance covers your account up to $500,000 in equity with up to $250,000 in cash. If we do not hear from you within 30 days, we will assume that all. Attn: Financial Benefits, 508 SW 8th Street, Bentonville, Arkansas 72716 0295 800-421-1362. First, you must pay an immediate 10% penalty on the amount withdrawn. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp We would like to show you a description here but the site won't allow us. Please enter your U Social Security/Assigned Account Number. The type of retirement account you have and when you make your withdrawal makes a big difference in how much you'll have to pay to access your funds. merrill ® small business 401(k) Know the facts about loans and withdrawals. Use this guide to figure out which option is best for you. com, or use the Benefits Online app for iOS and Android. Merrill A Bank of America Company for the best printing results, change page orientation to landscape Key Features of Walmart's 401(k) Plan. Login is currently unavailable, please check back again soon. Where are you looking at the contributions? The 401k match isn’t listed on the paystub just on the ML site and under “my total rewards” on one Walmart.
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Additional information is available in our Client Relationship Summary. I know it's best not to so when I'm old I have. I called the merril lynch number. Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill"),. Mostly just Walmart stuff I signed up for roth ira with my bank but they need the account number for my 401k. Additional information is available in our Client Relationship Summary. If you get divorced, your spousal. • Request a withdrawal or a new loan the same way you access your 401(k) now: visit Merrill at wwwml. Amount of withdrawal Ordinary income taxes Early withdrawal taxes This will allow you to self manage if you choose to or you can choose relevant ETF's which are basically what Merrill Lynch is doing for you. ! Please fill out this field. You must be at least 55 years old or have 15 years of service. 5 million to settle a long-running class-action lawsuit alleging the world's largest private. This document will control in the event of any conflict. Any fees they pay are used to cover the cost of processing their loan, and are not paid back to their account Merrill Lynch Life Agency Inc. Continue to mobile site. (The way I read it is a 6% match between both options, not 6% for each, or you could 4% 401k and 2% Roth, etc) I make a normal hourly wage, control my expenses tightly and use my vacation and OT pay to fund. 1 Enter your verification number. I highly recommend loading the Merrill Lynch App on your phone. Publication Date: November 1, 2023 Inc. By clicking "TRY IT", I agree. Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill"),. Does anyone know how to manage beneficiaries for our 401(k) through Merrill Lynch? I cannot find an option anywhere. WAL-MART PROFIT SHARING AND 401(k) PLAN. best cheap revolvers 2023 If you’re looking to invest online, two popular options to consider a. Walmart 401(k) Plan Information Walmart, one of the world's leading retailers, provides a comprehensive 401(k) plan for its employees. Check those statements you should be getting from the mail it's from Merrill Lynch I never knew that I had so much in my 401k first of all and then the bad news I can't take it out really. But don't, there will be a huge penalty for withdrawing it If you are not at the right age(59½?). Walmart makes a matching contribution of 6% of 50 … What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your date of hire is … Walmart 401(k) plan is administered by Merrill Lynch. and advise Merrill Lynch if you find discrepancies in your personal or account information. Learn more about Merrill's background on FINRA's BrokerCheck. Your advisor is available through Secure Message Center, by phone, email, or text If I take a loan, can I still contribute to my 401 (k) while repaying it? Find answers to your questions about financial benefits at Walmart, including information on the 401k plan, extra insurance, and more. Indices Commodities Currencies Stocks Business owners question the advantages of the Solo 401k vs SEP IRA vs SIMPLE IRAs. By clicking on the App Store and Google Play icons, you're going to be taken to your app store. Trust and fiduciary services are provided by Bank of America, N, Member FDIC, or U Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp Call Merrill Lynch, I'm sure they'll walk you through it. Do I have to enroll in a new 401(k) plan to use the Roth option? 7. What should I consider when choosing between pretax and Roth? 6. amore gourmet pizza menu Can you return items to Walmart any time the store is open? We explain Walmart's return center hours. This plan is administered through Merrill Lynch, a trusted financial services provider. Walmart offers a 6% match. Just a reminder, your app store. Does anyone know how to manage beneficiaries for our 401(k) through Merrill Lynch? I cannot find an option anywhere. Is your local Walmart store on the chopping block? Find out now with our list of the 21 stores closing in 2023. Additional information is available in our Client Relationship Summary. MLPF&S and MAA are registered investment advisers. If your employer offers a 401(k), begin contributing at least up to any employer match as soon as you can. • Request a withdrawal or a new loan the same way you access your 401(k) now: visit Merrill at wwwml. Country/Region Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Item 2 of 5 Top Articles Better Money Habits®, and Merrill Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain. You probably need to make an account with the 401k company. Learn more about Merrill's background on FINRA's BrokerCheck layer. Your advisor is available through Secure Message Center, by phone, email, or text If I take a loan, can I still contribute to my 401 (k) while repaying it? Find answers to your questions about financial benefits at Walmart, including information on the 401k plan, extra insurance, and more. Once the User ID has been cleared, you can then enter your User ID in the box to continue logging in. Merrill currently functions as Bank of America's investment and wealth management division. How to get a Walmart 401k loan with Merrill Lynch, 401k details, Processing Time, Hardship Withdrawal, Walmart allows its associates to receive a 401k loan u. Country/Region A data breach at Merrill Lynch exposed the personal information of 1,883 Walmart employees enrolled in the company's 401(k) retirement plan, including names and Social Security numbers, 401K. Will I be able to I access my Benefits OnLine account through the Merrill Lynch App? At this time, there is not an app for your Benefits OnLine account. firstcall traumasoft Get started with retirement savings. Home Investing Have you wondered what the difference is b. What should I consider when choosing between pretax and Roth? 6. Need help with your health and well-being benefits? Get expert assistance by calling one of these benefits information lines numbers. The website has the following calculator:Please enter your current tax rate: 28% Please enter a Pre-Tax rate of return: 10% Please enter your retirement age. Answer See 29 answers. Retirement and benefit services provided by Merrill. What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your hire date. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly-owned subsidiary of Bank of America Corporation. • Request a withdrawal or a new loan the same way you access your 401(k) now: visit Merrill at wwwml. Additional information is available in our Client Relationship Summary. Trust and fiduciary services are provided by Bank of America, N, Member FDIC, or U Trust Company of Delaware. Think about your retirement needs early in life and start saving soon, even if you start small. Walmart have made moves towards creating its own cryptocurrency as well as a collection of non-fungible tokens known as NFTs. Continue to mobile site. ADMIN MOD Ex Employee How do i access my Merrill Lynch 401k.
Use the information in that paperwork to let Merrill Lynch know what to do with your 401(k) funds. What should I consider when choosing between pretax and Roth? 6. • Request a withdrawal or a new loan the same way you access your 401(k) now: visit Merrill at wwwml. Connect with us Virtually Anytime, Anywhere. Online Access Guides for 401(k) accounts and Equity Awards. Just a reminder, your app store site has its own privacy and security policies. jessica on the five fox news I believe you can withdraw that way from your 401k. Here are the pros and cons. Once the User ID has been cleared, you can then enter your User ID in the box to continue logging in. Many employers offers a 401 k. 7 million was hit with new fraud charges. Online Access Guides for 401 (k) accounts and Equity Awards. ingles weekly sales circular com, or use the Benefits Online app for iOS and Android. Can I take a loan from my Walmart 401K? Q: What if I dont recognize the User ID on my computer? A: If you don't recognize the text in the User ID box on the login page, you can simply clear it by clicking on the box and using the Backspace or Delete key. By clicking "TRY IT", I agree. Connect with us Virtually Anytime, Anywhere. How long will my 401(k) loan request take? Updated over a week ago The loan application process can take around one month from when you apply to when you receive your funds. Walmart employees can get plan information and investment options online at wwwml. Customer: I have a Walmart 401K through Merrill Lynch. Learn more about Merrill's background on FINRA's BrokerCheck layer. funny nasty jokes in spanish All are great, but for different reasons. Do I have to enroll in a new 401(k) plan to use the Roth option? 7. Just a reminder, your app store. Walmart 401 (k) Plan eligibility in which you are credited with at least 1,000 hours of service.
This document is being provided solely by your employer 421-1362, or the Merrill Lynch Customer Service Center at (888) 968-4015. Walmart offers a 6% match. Merrill Lynch & Co 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice. What you need to know about the Walmart 401(k) Plan • You are eligible to make your own contributions to the Plan as soon as administratively feasible after your hire date. Connect with us Virtually Anytime, Anywhere. Online Access Guides for 401 (k) accounts and Equity Awards. Part-Time Money® Make extr. Please fill out this field. Home Investing Have you wondered what the difference is b. If you get divorced, your spousal. Resources for Living (24/7): 800-825-3555. Merrill Lynch sent me a check but I have not received a 1099. Connect with us Virtually Anytime, Anywhere. 1 Enter your verification number. Connect with us Virtually Anytime, Anywhere. Are there any other differences? 5. Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill"),. Learn more about Merrill's background on FINRA's BrokerCheck. 401k account, go to Merrill Lynch website and enter you username and password. power outage michigan map What should I consider when choosing between pretax and Roth? 6. Having trouble logging in? popup. I closed my 401K account. According to Bloomberg, the company has tapped Kevin Lynch to ove. What should I consider when choosing between pretax and Roth? 6. , including Bank of America, N, Member FDIC ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or. Take the time to explore. You can probably transfer your 401k to your new your job if they use a different company. (I saw this not on the Walmart 401k page). Retirement and benefit services provided by Merrill. Do I have to enroll in a new 401(k) plan to use the Roth option? 7. To log in your Walmart Inc. @EricSchaefer • 08/05/15 This answer was first published on 08/05/15. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. 401K Hardship Withdrawal with Merrill Lynch for Walmart Associates, Emergency Funds, Taxes, Fees, & QualificationsWalmart is a multi national Retail corporat. Make sure you're eligible to roll over your existing 401(k) plan. Retirement Checklist (PDF) ALEX - benefits helper. 5% State Tax Filing Status: Married Filing Jointly, one child. 7 million was hit with new charges in a superseding indictment with five counts of wire fraud and. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. You can name anyone you wish. Just a reminder, your app store. Login is currently unavailable, please check back again soon. I'm still on hold with these deliberate criminals, Merrill Lynch sent me an email 2 days ago about a transaction that I'll currently attempting to research. battleship cycles If your employer offers a 401(k), begin contributing at least up to any employer match as soon as you can. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. By clicking on the App Store and Google Play icons, you're going to be taken to your app store. 3 activity detail october 1, 20xx - december 31, 20xx 000000000000000000 0000000000000 sample abc company participant name 3 | abc company | 401(k) plans 401(k) plan(s) n your savings elections pre-tax At the end of 2021, the Walmart 401(k) Plan had 1,051,450 participants with account balances and $37 401(k) mutual fund expense ratios drop by more than half since 2000 — ICI Other Walmart Retirement Benefits. com, or use the Benefits Online app for iOS and Android. A majority of corporations, Walmart included, extend a 401(k) plan to their workforce, though each plan possesses distinctive features You can call the plan administrator or asset managers like Merrill Lynch regarding this matter. Federal regulations require that participants in retirement plans, such as the Plan, be provided with certain Plan and investment-related information, including Log in to Benefits OnLine to access your Merrill account and manage your retirement plan, health benefits, and investment options. Phone contacts and websites for health care plans, insurance, and enrolment questions. Connect with us Virtually Anytime, Anywhere. Both the traditional and Roth 401k is offered through Merrill Lynch. I called the merril lynch number. You can only receive a portion of your 401k. Mostly just Walmart stuff. You can contribute from 1% to 50% of your eligible pay each pay period. Phone numbers or email addresses that have been recently updated aren't displayed. The 401(k) welcome contribution is directed to the same investment choices as your own contributions; if you don't have an investment election on file on the date of the posting, the 401(k).