Overview
Perceptive is committed to supporting your financial well-being — today and tomorrow. The Perceptive 401(k) Plan, administered by Fidelity, helps you prepare for retirement by offering an easy, tax-advantaged way to save for your future financial needs. Setting aside as much as you can during your working years can greatly improve your quality of life later.
Key Features
- Contribute up to IRS limits (for 2025, $23,500; an additional $7,500 catch-up contribution is allowed if age 50 or older).
- Choose to make before-tax contributions and/or after-tax Roth contributions, deducted from your paycheck.
- Receive a discretionary company match of 100% of the first 3% of your contributions and 50% of the next 3% to a maximum match of 4.5% in those pay periods in which you contribute.
- You are 100% vested in Perceptive’s matching contribution after completing 5 years of service.
- Choose from a variety of investment options
You may enroll in the plan or change your deduction percentage at any time by visiting Fidelity or calling 1-800-835-5097.
Meet the match!
Are you making your money work as hard as you do? Try to contribute at least 6% to take full advantage of the match — otherwise, you’re leaving free money on the table.
Manage your account
Visit the Fidelity website to enroll or manage your account:
- Enroll in the plan
- Check your balance
- Change your contribution rate
- Manage your investments
- Update your beneficiary
- Use planning tools and calculators
- Access forms and documents
Financial Wellness Portal
Through your Perceptive 401(k) Plan, you have access to information and resources to help you manage your everyday financial life. Take advantage of online education and personalized insights to make more confident financial decisions.
Understand Your Personal Finance Picture
Visit the “What is Financial Wellness?” page to discover your financial strengths and opportunities, and access tips and tools to help you get to where you want to be.
Get a Check Up
Visit the Money Checkup (or text Fit to 343898) to help you build financial confidence and gain a sense of control. In 10 minutes or less, you will have a summary of your financial situation and links to resources to help you improve your outlook.
Save Smarter
Learn how saving just 1% more in your 401(k) can boost your retirement readiness. Use the Power of Small Amounts tool to see the impact of increasing your contributions.
To manage all your financial needs, visit Fidelity.
Automatic Enrollment
After 30 days at Perceptive, if you have not enrolled in the plan, you will be automatically enrolled with an initial election to save 3% of your before-tax pay. Your contribution rate will automatically increase by 1% each year. Your contributions will be invested in the target-date fund most appropriate for your age. You may change your contribution and investment elections at any time by contacting Fidelity.
Be sure to name a beneficiary!
It’s important to designate a beneficiary to receive the value of your 401(k) account in the event you die before beginning to receive your benefit. As personal circumstances change, be sure to keep that information up to date. Visit the Fidelity website to add or change a beneficiary. Please note, the life and AD&D insurance beneficiary information you complete within the Aptia365 website is not used for the 401(k) plan.
Catch up!
It’s not too late to make up for lost time. If you’ll be 50 or older this year, take advantage of the opportunity to contribute up to an additional $7,500 in catch-up contributions.
Before investing, carefully consider the funds’ or investment options’ objectives, risks, charges, and expenses. Call 1-800-835-5097 for a prospectus and, if available, a summary prospectus or an offering circular containing this and other information. Please read them carefully. Investing involves risk, including the risk of loss.
CAPTRUST Financial Advisors
CAPTRUST Financial Advisors is an independent advisory firm that works with the Perceptive 401(k) Plan via Fidelity. They are designed to help participants discover if they are on track at reaching their financial retirement goals. When you reach out to the Advice Desk, they will provide a detailed account of what to expect and discuss the Retirement Blueprint. The Retirement Blueprint is an interactive retirement tool that is used to create a personal retirement analysis that is fit for you and your family's needs. Click here to learn more.
Other Services
CAPTRUST provides informative webinars focused on financial wellness and resources to help you effectively manage your financial life and make important decisions. Click here to view the schedule of upcoming CAPTRUST webinars.