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Savings

Flexible Spending Account Plans Health Savings Account 401(k) Financial Wellbeing Webinars

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: $325 monthly
  • Parking: $325 monthly

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 2025 Open Enrollment. Password: JDJ*AS9!

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

$3,300/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

$5,000/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

$3,300/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 under the terms of COBRA. For this option, please contact your tax advisor.

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.
  • 2024 Health Care FSA: Participants can rollover up to $640 of unused health funds and will have until March 31, 2025 to submit claims. Funds above this amount will be forfeited.
  • 2025 Health Care FSA: at the end of the calendar year, 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.
  • 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.

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

Coverage Type

2025 Maximum Contribution Limit
Rimini Street HSA Contribution
Employee Maximum Contribution
Individual Coverage (employee only)
$4,300
$1,500
$2,800
Family Coverage (employee + 1 or more)
$8,550
$2,500
$6,050
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
  • 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. You will have access to your 401(k) Fidelity account once you receive your 1st paycheck from Rimini Street. 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.

Contributions

• Pretax & Roth: $23,500
• Pretax/Roth Catch-up (Age 50+): $7,500
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 2025, you may contribute up to the IRS maximum of $23,500. If you are age 50 or over, you can make “catch-up” contributions up to $7,500. 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.

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.

Fidelity Net Benefits New User Registration Instructions

Fidelity 401(k) Enrollment Guide

Financial Wellbeing

We’re excited to launch our new monthly Education Webinar Series to support your Financial Wellbeing starting with the month of May! Each month we’ll cover different retirement topics to help you get the most of your retirement plan.

2025 Webinar Schedule


A registration link and calendar invites will follow ahead of each session.

Month
Presenter
Topic
Registration | On-Demand
May
Woodruff Sawyer
HSA and Retirement Basics
On-demand available
June
Fidelity
Navigating Market Volatility
On-demand available
July
Fidelity
Maximize Social Security in your Retirement Strategy
Registration coming soon
August
Fidelity
Investing for Beginners
Registration coming soon
September
Fidelity
Fidelity Personalized Planning & Advice
Registration coming soon
October
Fidelity
Learn the Basics of When and How to Claim Social Security
Registration coming soon
November
Fidelity
Fundamentals of Retirement Income Planning
Registration coming soon
December
Fidelity
Invest Confidently for your Future
Registration coming soon

How to access Fidelity Brainshark workshops

Woodruff Sawyer

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 reach Woodruff Sawyer by email at [email protected].

Connect with a Fidelity Retirement Coach

Have questions about retirement? 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
Woodruff Sawyer
Fidelity Live Web Workshops
Woodruff Sawyer Resource Hub
Fidelity Q2 Workshop Schedule
Woodruff Sawyer 2025 Financial Wellness Webinars
Fidelity Quarterly Market Update
Woodruff Sawyer Quarterly Newsletter
Fidelity Live Weekly Market Insights Webcast
Woodruff Sawyer – Your Virtual Financial Coach

Copyright © 2025 Rimini Street, Inc.

All rights reserved.

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