Employer match
Yes, matching contribution. 100% on the first 3% you defer, plus 50% on the next 2%. Full match when you defer 5% of pay.
Step 2 · Plan setup · Parse
Plan documents: upload SPD or use the demo plan
In production, an employer or adviser uploads any company's Summary Plan Description once here so pulse and gap are plan-specific—not a generic template. This demo defaults to a synthetic Example Co. SPD. Optional upload stays on this device. FeatureHeld teaches features; it does not recommend funds or allocations.
Plan setup is for employers and advisers.
Upload any company's SPD so employees' pulse and gap use that plan's features. Demo default: Example Co. 401(k) Plan · schema spd-facts-v0 · engagement employee-demo-synthetic. See spd-facts.json. No account numbers, balances, or holdings. Education only. On-device demo upload is never sent to a server.
Plan documents · employer / adviser
Upload SPD
Once per plan. Drag and drop or tap to choose a PDF, TXT, or HTML Summary Plan Description from any company. In this demo, parsing runs in your browser and files never leave this device. Long digit strings that look like account numbers are stripped. Employees take the pulse after setup—they do not upload the SPD in Learn.
Drop any company's SPD here or tap to choose
Parsing your plan…
Reading the synthetic SPD and pulling out the features you were asked about.
Parsed: 0 plan features found
Confirm or edit the list. Uncheck anything that looks wrong. Education only; not investment advice.
Parsed: 5 plan features found
Parsed from the embedded synthetic SPD sample (schema spd-facts-v0, parser design-v0.1-demo). Not a real plan.
Vesting schedule
Graded vesting on employer contributions. Your own deferrals are always 100% yours.
| Years of service | Vested % |
|---|---|
| 2 | 20% |
| 3 | 40% |
| 4 | 60% |
| 5 | 80% |
| 6 | 100% |
Fees (where to look)
Plan administrative fee: about $45 per participant per year (from plan assets in this demo). Investment-related fees vary by fund, see the fee disclosure for expense ratios.
If you do nothing
Auto-enrollment is on in this demo. Default deferral: 3%. Default investment: plan’s default target-date style option (QDIA-style label).
Eligibility & entry
Eligible after 30 days of service; entry on the next monthly entry date.
Not advice.
These facts describe what the (synthetic or on-device) document says. For how to allocate or which investment to choose, use the Hand off step. FeatureHeld refuses fund/allocation advice in-product.