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In the United States, a large part of your compensation is not salary. Retirement plans, health accounts, paid time off and stock programs are chosen during enrollment windows, often with very little explanation.
A 401(k) is an employer-sponsored retirement account funded by payroll contributions. Many employers match part of what you contribute, and the match schedule and vesting rules vary by company.
FSA and HSA accounts both set aside money for medical expenses, but eligibility, rollover rules and ownership differ. The right choice usually depends on which health plan you selected.
PTO policies are set by employers, not by a single national rule, so vacation, sick leave and holidays vary significantly. Employee stock purchase plans, life insurance and disability coverage are often bundled in the same enrollment.
A pay stub shows gross pay, taxes withheld and benefit deductions. The W-2 summarizes the year for tax filing. Understanding both makes benefit decisions much less abstract.
We explain how each benefit works so you can decide with clarity, whether it is your first enrollment or your tenth. We do not recommend specific investments.
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