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Savings

Flexible Spending Account Plans Commuter Benefits Health Savings Account 401(k)

Flexible Spending Accounts (FSAs)

Save Money by Planning Ahead

Flexible Spending Accounts (FSAs), allow you to set aside pre-tax dollars to pay for eligible health and dependent care expenses. As an eligible employee, you may choose to enroll in one or both Flexible Spending Accounts. Each year, you must elect the annual amount you want to contribute to each account. Your contributions will be deducted pre-tax from your paycheck which can help reduce your taxable income.

Flexible Spending Accounts (FSAs)

Flexible Spending Account Plans

Navia Benefits | Phone: 800-669-FLEX | [email protected]

Watch the Navia Spotlight from 2026 Open Enrollment. Note: If you participate in the United Health Care High Deductible Health Plan, you are not eligible to participate in the Health Care FSA.

  • Health Care FSA
  • Dependent Care FSA
  • Limited Purpose FSA
  • FSAs when employment ends

Coverage

Pay for eligible health care expenses such as copays, deductibles, and coinsurance for medical, dental, and vision care. If you participate in the United Health Care High Deductible Health Plan, you are not eligible to participate in the Health Care FSA.

Maximum Coverage

$3,400/year

Coverage

Pay for daycare expenses for children age 13 and under, or for elder dependents unable to care for themselves. The care must be necessary for you and your spouse to remain employed. Care may be provided through live-in care, babysitters, and licensed daycare centers.

Maximum Coverage

$7,500/year

Coverage

When you enroll in the United Health Care High Deductible Health Plan, you are eligible to participate in the Limited Purpose Health Care FSA. These funds are eligible for dental and vision expenses only.

Maximum Coverage

$3,400/year

FSAs end on your last day of employment

Existing unused funds are available for eligible expenses that are incurred on or before your employment end date. Claims must be submitted for reimbursement by March 31st of the following year.

To access funds after employment ends, you may continue FSA contributions if you are eligible for COBRA and elect COBRA coverage. For this option, please contact your tax advisor.

Please note that Dependent Care FSA (DCFSA) is not eligible under the terms of COBRA; however, you can submit claims for eligible dependent care expenses incurred on or before your termination date. FSA dependent care claims can be submitted by March 31st of the following year. For questions on your FSA account, please contact Navia Benefits at 800-669-3539.

FSA Fine Print

  • All expenses for the Health Care and Dependent Care, Flexible Spending Accounts must be incurred during the plan year: January 1 through December 31.
  • The IRS has a strict “Use-It or Lose-It” rule for FSAs.
  • 2025 Health Care FSA: Participants can rollover up to $660 of unused health funds and will have until March 31, 2026 to submit claims. Funds above this amount will be forfeited.
  • 2026 Health Care FSA: at the end of the calendar year, participants can rollover up to $680 of unused health funds and will have until March 31, 2027 to submit claims. Funds above this amount will be forfeited.
  • Once you enroll in the FSA, you can only change your contribution amount if you experience a qualified status change.
  • You must re-enroll in the FSA every year
  • Each account functions separately. You cannot fund from one FSA to another.

Commuter Benefits

Navia Benefits | Phone: 800-669-FLEX | [email protected]

Employees in the Bay Area and Chicago Metropolitan Area have access to the commuter benefits program, which allows employees who commute to and from work to set aside pre-tax funds to pay for their work-related mass transit and parking expenses. Eligible expenses for the transit benefit include transit passes, fare cards, ticket books, and vanpool expenses.

You may start and stop your elections anytime during the year. To view our Commuter FAQ, Click Here. To make changes to your current elections visit Workday and follow instructions by Clicking Here.

Please log a HR Ticket if you have any questions.

You may deduct pre-tax money from your paycheck to pay for commute-related expenses which reduces your taxable income. The maximum contribution is:

  • Transit: $340 monthly
  • Parking: $340 monthly

Health Savings Account (HSA)

An HSA offers the opportunity for you to set aside tax-free* money to pay for out-of-pocket health care expenses. Since the HSA is your bank account, the unused funds roll over year to year. If you leave the company, the account goes with you. HSAs are also a great retirement savings account. You can contribute up to the annual IRS maximums (including the age 55+ catch-up contributions) with pre-tax dollars to pay for health care after you retire.

View the Optum HSA User Guide.

Health Spending Account

OptumBank | Phone: (800) 791-9361 | www.optumbank.com

Watch the Optum Spotlight from 2026 Open Enrollment

Coverage Type
2026 Maximum Contribution Limit
Rimini Street HSA Contribution
Employee Maximum Contribution
Individual Coverage (employee only)
$4,400
$1,500
$2,900
Family Coverage (employee + 1 or more)
$8,750
$2,500
$6,250
Age 55+
Additional $1,000
Rimini Street will contribute to your HSA at the beginning of the year or when you become eligible. Rimini Street contributions to the HSA are pro-rated based on your effective date on the HSA plan. Mid-year hires will have their contributions pro-rated.

Health Savings Account (HSA) as a Retirement Savings Tool

Explore how your HSA can support long-term financial wellness. Learn more or manage your HSA anytime at www.optumbank.com.

HSA Resources

  • How to save the most with your Health Savings Account
  • Invest in your future with an HSA
  • Optum Mutual Fund Lineup
  • Long-term HSA considerations

401(k)

Rimini Street's 401(k) Savings Plan

Rimini Street’s 401(k) Savings Plan helps you set aside money for the future to help you meet your retirement goals. The 401(k) Plan administered by Fidelity offers a variety of investment options. Rimini Street generously matches 100% of each dollar you contribute up to the first 4% of your annual compensation after you completed 6 months of service.

Don’t forget that if you participated in another employer’s plan during the calendar year, you will need to report your year-to-date contribution amounts to help prevent you from exceeding the IRS limits for the calendar year.

Account Management Services

401(k) Benefits

Fidelity | Policy # 00820 | Phone: (800) 343-3548 | www.fidelity.com

  • Eligibility
  • Contributions
  • Company 401(k) Contributions
  • Traditional 401(k)
  • Roth 401(k)
  • Annual 401(k) Maximums set by the IRS
  • Roth Catch-Up Contributions effective January 1, 2026
  • Helpful Tips on Saving for Retirement
  • Fidelity Resources

Eligibility

You are eligible to participate in the 401(k) plan on your first day of employment at Rimini Street. Fidelity receives new‑hire data on Thursdays. Once processed, you’ll receive a registration notice. Once you have access, you may enroll in the 401(k) plan, designate beneficiaries, and allocate your asset distribution at any time. You do not need to wait for annual enrollment to make changes.

401(k) contributions cannot be changed in Workday. You must contact Fidelity in order to start or change your contribution amount.

2026 Contributions

• Pretax & Roth: $24,500
• Pretax/Roth Catch-up (Age 50+): $8,000 If you are age 60-63, the catch-up limit increases to $11,250.
You don’t need to make a separate election to contribute additional “catch up” funds.
Your contributions will simply continue until you meet the annual “catch up” limit.

Company 401(k) Contributions

Rimini Street will make a 100% matching contribution on the first 4% of your deferral after you completed 6 months of service. Your personal funds and contributions made by the company are immediately vested. This means the funds in your account are 100% yours.

Traditional 401(k)

Traditional 401(k) contributions are pre-tax, so you don’t pay taxes until you withdraw the money in retirement. Your contributions are added to your account conveniently through payroll deductions pre-tax.

Roth 401(k)

Roth 401(k) distributions are post-tax, so you pay taxes during the year when you make contributions, but you don’t pay taxes when you withdraw the funds in retirement. Funds grow tax-free in a Roth account. Your contributions are added to your account conveniently through payroll deductions post- tax.

Annual 401(k) Maximums set by the IRS

While you may elect to make contributions to both a traditional 401(k) and a Roth 401(k), you may only contribute a combined total maximum set by the IRS yearly. In 2026, you may contribute up to the IRS maximum of $24,500. If you are age 50 or over, you can make “catch-up” contributions up to $8,000. If you are age 60-63, the catch-up limit increases to $11,250. You don’t need to make a separate election to contribute additional “catch up” funds. Your contributions will simply continue until you meet the annual “catch up” limit.

Roth Catch-Up Contributions effective January 1, 2026

Starting in 2026, employees turning age 50 or older earning more than $150,000 in FICA wages in the previous year must make any catch-up contributions as after-tax Roth contributions.

What actions do I need to take?

You do not need to take any action or make a separate contribution election in your 401(k) account. Contributions beyond the 2026 annual limit of $24,500 will be submitted to your Fidelity account as Roth contributions.  Please speak with your financial advisor about how this Roth catch-up change can impact your retirement goals.

For more information, click here.

Helpful Tips on Saving for Retirement

Stay on track with your savings goals try Fidelity's Comparison Tool to see how your retirement savings measure up to the savings of other people like you. Make increases to your contributions at Netbenefits.com, click on Contribution Rate.

Your 401(K) Plan At A Glance

Fidelity Net Benefits New User Registration Instructions

Fidelity 401(k) Enrollment Guide

401(K) Investment Options

Investment Advisory

Gallagher Fiduciary Advisors, LLC

As a reminder, Rimini offers complimentary access to a retirement plan advisor to get expert guidance on your 401(k) investment options and receive advice on utilizing your HSA as a retirement planning tool.  You can contact Kristina Keck via phone at +1 (415) 878 2310 or via email at [email protected].

Connect with a Fidelity Retirement Coach

Schedule a one-on-one with a Fidelity retirement coach for personalized support at no cost. Call 1-800-603-4015 or schedule an appointment by scanning the QR code or visiting https://netbenefits.fidelity.com/retirementconsultation


Resources

Fidelity
Gallagher Fiduciary Advisors
Fidelity Live Weekly Market Insights Webcast
Gallagher Fiduciary Advisors Resource Hub
Estimate your Social Security Benefit
Gallagher Fiduciary Advisors Financial Wellness Webinars

Roth Catch up Changes on January 1, 2026

Employees turning 50 or older earning more than $150,000 in FICA wages in the previous year must make any catch-up contributions as after-tax Roth contributions.

 2026 Contribution Limits 

  • 2026: $24,500 annual limit; $8,000 catch-up (Total: $ 32,500) or $11,250 catch-up if age 60–63 (Total: $35,750). Catch-up contributions must be Roth.

What Are FICA Wages?
FICA wages are earnings subject to Social Security taxes. Check Box 3 on your prior year Form W-2 to confirm if you exceeded $150,000.

For additional information, visit Fidelity here.

Roth Contributions: Pros and Cons

Woodruff Sayer, Rimini’s Retirement Plan Advisor, provides the following guidance on how Roth Contributions can impact you. If you need additional information, you may contact Kristina Keck at (415) 878 2310.

Copyright © 2026 Rimini Street, Inc.

All rights reserved.

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