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Frequently Asked Questions
Spectrum Health System 403(b) Plan FAQs
Get quick answers to some of the most common questions related to your plan, including eligibilty, how to enroll, employer match dollars, and vesting schedules.
What is the Spectrum Health System 403(b) Plan?
When am I eligible to enroll in the plan?
When and how do I enroll in the plan?
When can I change my contribution?
Can I make Roth contributions?
When will my contribution election be effective?
What is the employer match for the 403(b) Plan?
What is "Meeting the Match"?
When will I receive Spectrum’s matching and service contributions?
When will I be 100% vested in the 403(b) Plan service contributions and employer match contributions?
What is the maximum contribution I can make to the 403(b) Plan?
How do I add/update my 403(b) beneficiary?
How do I update my marital status?
If I was previously employed with Spectrum, will my prior years of service count towards the service contribution?
Can I combine my other retirement accounts with my account at Prudential?
What personal financial resources are available within the plan?
If I need additional help, is help available?
Is there a loan feature?
Will I receive a statement of my account?
How many investment options are there, and can I select my own?
Is there an option if I don’t want to select my own investments?
Can I change the funds my account is invested in?
Are there any fees for the investments?
Your Retirement Plan Resources & Quick Actions
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