Retirement

Retirement

Every employee is at a different stage on the road to saving for retirement. Wherever you are, there is a convenient, tax-advantaged way to save for the future: the Publicis Benefits Connection (PBC) 401(k) Plan, administered by Fidelity. You can enroll anytime, and do not have to take action during your enrollment period. To access your account, visit Fidelity NetBenefits or call:

  • Fidelity Customer Service at 1-800-835-5095 Group Number: 08063

  • Fidelity Guidance Workplace Planning and Advice Center at 1-800-420-2363

  • Getting Started

    You and Publicis help create savings for your future through the Publicis Benefits Connection 401(k) Plan in the following ways:

    • You can contribute from 1% – 50% of eligible compensation on a pre-tax and/or post-tax basis up to annual IRS limits (for 2026, the annual contribution limit is $24,500 and the annual compensation limit is $360,000).

    • You own all your own contributions and any investment earnings on that money.

    • Publicis matches 100% of the first 3% of compensation you contribute and 50% of the next 2% of compensation you contribute.

    • You are 100% vested in any contributions you make to the plan and Publicis contributions vest based on your years of service.

    • Summary Plan Description for Publicis 401(k) Plan

  • Eligibility

    All regular, salaried, full-time new hires are immediately eligible upon date of hire (for employees who work at least 1,000 hours of service per year or upon reaching 1,000 hours).

  • How to Enroll

    There are two ways to enroll in the Publicis 401(k) Plan: Auto-Enroll and EasyEnroll.

    Auto-Enroll (no action needed from you to participate in the Plan): You will be automatically enrolled in the Plan within 35 days of your hire date at a rate of 5% of your eligible pay. Your contributions will be invested into one of the FIAM Index Target Date Commingled Pools Class Y funds according to your birth date. You have 30 days from your date of hire to opt out of auto enrollment; once contributions start you can opt out at any time. You can request a return of your automatic contributions adjusted for gains and losses, up to 90 days after you have been automatically enrolled in the plan by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

    EasyEnroll: You do not have to wait to be auto-enrolled in the Plan — you can elect to contribute to the Plan with EasyEnroll available on Fidelity NetBenefits. With EasyEnroll you can choose your contribution amount from pre-set contribution rates of 8%, 10%, or 12% of your eligible pay. Your contributions will be invested according to your birth date into one of the FIAM Index Target Date Commingled Pools Class Y funds.

  • Vesting Schedule

    Years of Service

    Percent Vested

    0 – 1

    0%

    1 – 2

    25%

    2 – 3

    50%

    3 – 4

    75%

    4+

    100%

  • Catch-Up Contributions

    If you will reach age 50 or older during the calendar year January 1 to December 31 and are making the maximum plan or IRS pre-tax contribution, you may make additional "catch-up" contributions each pay period (up to $8,000 in 2026). You may also make after-tax contributions to the Roth 401(k). If you elect to use a Roth 401(k), you may make after-tax Roth catch-up contributions.

  • Investment Options

    To help you meet your investment goals, the Plan offers you a range of investment options. You can select a mix of investment options that reflects your savings goals, risk tolerance, and timeline. Once you set up your account, you can change how you invest future contributions or transfer your existing balance to different funds at any time.

    To review your investment options, log in to Fidelity.

  • Retirement Plan Manager

    If you're a "hands off" investor, Fidelity's Retirement Plan Manager (RPM) program manages your 401(k) account for you at no cost, through the Publicis Benefits Connection 401(k) Plan. For more information on this voluntary service, contact Fidelity Retirement Services at Fidelity NetBenefits or 1-800-835-5095.

  • Loans

    Your account is designed for long-term savings, but you can borrow from your vested balance for any reason while you're an active employee. You repay the loan, plus interest, through after-tax payroll deductions.

    You can borrow up to 50% of your vested balance:

    • Minimum loan: $1,000

    • Maximum loan: $50,000, subject to IRS limits if you have multiple loans

    • Two outstanding loans allowed at a time

  • Withdrawals

    While employed, you can withdraw funds from your account in certain situations, including:

    • Hardship withdrawals

    • Non-hardship withdrawals from rollover and after-tax accounts

    • Non-hardship withdrawals if you're age 59½ or older

    Withdrawals are subject to income tax and may also incur a 10% early withdrawal penalty.

  • Distributions

    Your vested account balance becomes payable when you terminate employment, reach normal or early retirement age, retire due to disability, or die. If you retire, you may:

    • Take a lump-sum distribution

    • Roll your distribution over to another eligible plan

    • Receive an automatic cash-out if your balance is $1,000 or less and you don't roll it over

  • Introducing How You Money

    Not everyone’s a money expert. That’s okay. That’s why Fidelity created How You Money, a group of videos made to help you tackle all your money questions. Pick yours: savings, investing, debt, fundamentals, retirement, and more.