401(k) Plan - Overview

Saving for retirement can feel overwhelming, so we offer a 401(k) plan to make it easier to build long-term savings over time.

A 401(k) is a retirement savings plan that allows you to set aside a portion of your paycheck for the future. Your contributions are automatically deducted from your pay and invested on your behalf through our plan provider, Accrue (formerly Guideline). Over time, those contributions can grow through investment returns.

How JBPro Supports Your Retirement

We believe in investing in our people and helping you plan for the long term. That’s why JBPro contributes to your retirement savings in addition to what you choose to contribute yourself.

• JBPro matches 100% of your contributions, up to 3% of your eligible pay. This means if you contribute at least 3% of your pay, JBPro adds the same amount — essentially extra money toward your retirement.

• JBPro may also choose to make additional profit-sharing contributions in some years, based on company performance. These are not guaranteed, but when offered, they are an added benefit at no cost to you.

How Contributions Work

You can choose how much of your pay to contribute and whether to contribute:

• Pre-tax (Traditional) – contributions reduce your taxable income today, or

• Post-tax (Roth) – contributions are taxed now, but may be withdrawn tax-free in retirement, if certain rules are met.

All contributions and changes are managed directly through your Accrue account, and you can adjust or stop contributions at any time.

Getting Started

Once you’re eligible, you’ll receive an email from Accrue inviting you to set up your account. From there, you can:

• Choose your contribution rate

• Select your investments (or stay in the default option)

• View your JBPro match

• Make changes anytime

If you don’t take action by the deadline, you’ll be automatically enrolled at a 3% contribution rate, invested in a professionally managed portfolio based on your age and estimated retirement date. You’re always free to change this later or opt out.

Important to Know

• You are always 100% vested in your own contributions.

• JBPro’s matching and profit-sharing contributions vest over time, encouraging long-term growth and retention.

• Accrue provides tools, education, and support to help you understand your options and manage your account.

This overview is meant to help you understand how the plan works at a high level. For personalized projections, investment details, or account-specific questions, Accrue is your best resource.