Adventist HealthCare Retirement Plan (AHRP)

2026 Contribution Limits

The IRS sets limits on how much you can contribute to your retirement plan each year.

• Under age 50: Up to $24,500
• Age 50–59 (and age 64+): Up to $32,500, including an $8,000 catch-up contribution
• Age 60–63: Up to $35,750, including the $11,250 enhanced catch-up contribution

Good to know: Once you reach the IRS contribution limit, payroll deductions will automatically stop for the rest of the calendar year.

Important for High Earners: Starting in 2026, some higher-paid team members may be required to make catch-up contributions as Roth (after-tax) contributions. This applies to team members who earned more than $150,000 in FICA wages during the prior calendar year, as required by federal law.

Vesting

Your retirement savings belong to you.

• Your contributions: 100% vested immediately.
• Employer contributions: 100% vested after three years of vesting service.

Roll Over Your Retirement Savings

Have retirement savings from a previous employer or an IRA? You may be able to roll those funds into your Adventist HealthCare Retirement Plan to keep your retirement savings together and make managing your investments easier.

Tip: Contact an AHRP Retirement Counselor for assistance with the rollover process and to understand any tax considerations before moving your funds.

Get More from Your Retirement Savings

The longer you’re with AdventHealth, the more you can receive through the retirement plan match. AdventHealth matches 100% of your contributions up to a percentage of your eligible pay, based on your years of service:

Why it matters:
The AdventHealth match is an additional contribution toward your retirement savings. As your years of service increase, the percentage AdventHealth matches increases too.

Tip: Enroll early and take full advantage of the match. Even small contributions add up over time!

Make Saving Automatic

Make saving for retirement easier with Automatic Contribution Increase. Your retirement contribution can increase automatically over time, helping you steadily build your savings without having to remember to make the change yourself.

Why sign up?

• Increase your savings gradually with small, automatic increases over time.
• Stay on track toward your retirement savings goals.
• No manual changes needed once you enroll.

How it works:

• Choose your starting contribution percentage.
• Select how much you want your contribution to increase each year.
• Your contribution automatically increases each year according to the schedule you choose.
• You can change or stop your automatic increases at any time, subject to plan rules.

Ready to grow your savings?

Choose How You Invest

Your retirement contributions are invested based on the choices you make. The Adventist HealthCare Retirement Plan offers a range of investment options so you can choose an approach that fits your goals and comfort with investment risk.

Choose how your savings are invested:

• Select your own investments from the plan’s available investment options.
• Choose a Target Date Fund that is designed to adjust its investment mix over time as you get closer to your expected retirement date.
• Review and update your investment elections as your goals or circumstances change.

Tip: Your investment choices are separate from how much you contribute to the plan. You can update your investment elections through Fidelity at any time, subject to plan rules.

Ready to customize your strategy?

Protect What Matters Most

Your retirement savings are an important part of your financial future. Designating beneficiaries helps ensure your account is distributed according to the beneficiaries you have selected.

When should you review your beneficiaries?

• Ensures your loved ones are protected
• Avoids delays or complications in distributing your benefits
• Gives you peace of mind knowing your wishes are honored

Tip: Review your beneficiary designations regularly to make sure they still reflect your wishes.