Smarter Health Savings
How to maximize every dollar you spend on care and wellness.
Planning for a secure retirement starts with taking full advantage of the Monochrome 401(k) Savings Plan, administered through Fidelity.
Whether you are decades away from retirement or closing in on your target date, our plan provides a flexible, low-cost investment platform designed to help you accumulate wealth efficiently through tax-advantaged automatic payroll contributions.
We believe in supporting your long-term financial security, which is why Monochrome matches a portion of every dollar you contribute. By enrolling early and setting up automatic annual contribution increases, you can harness the compounding growth needed to meet your future retirement lifestyle goals.
2026 Contribution & Plan Limits
Provider / Platform
Fidelity NetBenefits
Employee Deferral Limit
$24,500 / year
(Pre-tax + Roth combined)
Monochrome Employer Match
100% match on the first 6% of your eligible pay
Vesting Schedule
100% Immediate Vesting on both your contributions AND employer match
Age 50+ Catch-Up Limit
Additional $8,000 / year
(Total maximum: $32,500)
Special Catch-Up (Ages 60–63)
Additional $11,250 / year
(Total maximum: $35,750)
Combined Maximum (Employee + Employer)
$72,000 / year
Vesting Schedule
100% Immediate Vesting on both your contributions AND employer match
Important Note on Employer Match
Always aim to contribute at least 6% of your eligible compensation to capture the full dollar-for-dollar Monochrome employer match. Free money should never be left on the table!
How to maximize every dollar you spend on care and wellness.
Traditional pre-tax contributions allow you to reduce your taxable income today while building tax-deferred savings for the future. By lowering your gross taxable earnings each pay period, you lower your current income tax bill while letting your investment earnings compound uninterrupted over time.
Tax Advantage
Contributions are deducted before taxes are applied, lowering your current taxable income.
Withdrawal Rules
Investment growth is tax-deferred; you pay standard income tax on distributions during retirement.
Best Suited For
Employees who expect to be in a lower income tax bracket during retirement than they are during their peak earning years.
At Monochrome, we understand that long-term financial security doesn’t happen by accident. We are committed to giving you the tools, accounts, and resources needed to build a comfortable future. Our retirement benefits center around our Fidelity 401(k) Savings Plan, featuring both Pre-Tax and Roth contribution pathways, immediate vesting, and a 100% dollar-for-dollar company match on the first 6% of your eligible pay.
Beyond payroll contributions, we offer one-on-one financial coaching, interactive retirement planning calculators, and regular workshops through Fidelity NetBenefits. We encourage all employees to take full advantage of these resources to maximize their savings strategy today.
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