Enrolling in the 401(k)

Joining the Plan

May I join the Plan?

Provided you are not an excluded employee, you may join the Plan once you satisfy the Plan's eligibility condition(s) described below.

You may not join the Plan if you are an excluded employee. You are an excluded employee if you are a collectively bargained employee, a nonresident alien, an employee of a controlled group or affiliated service group employer that does not adopt the Plan, an independent contractor, an intern, a Puerto Rico based employee, a temporary/seasonal employee who works less than 1,000 hours during a 12 month period, a per diem employee hired on or after January 1, 2018, who works less than 1,000 hours during a 12 month period, or PRN employees hired on or after January 1, 2018, who works less than 1,000 hours during a 12 month period.

What happens if I become an excluded employee?

If you become an excluded employee, you will no longer be allowed to make or receive additional contributions under the Plan. You will, however, still have the ability to manage your account and keep certain rights and benefits.

When can I become a participant in the Plan?

For salary deferral contributions and safe harbor matching contributions you may become a participant on the first day of the month coinciding with or following your completion of 10 hours of service in 2 months and your 21st birthday.

If you are a per diem employee, temporary employee, or a seasonal employee who works less than 1,000 hours of service during a 12 month period, you may become a participant on the first day of the month coinciding with or following your completion of one year of service and your 21st birthday.

If you are a PRN employee hired on or after January 1, 2018 who works less than 1,000 hours of service during a 12 month period, you may become a participant on the first day of the month coinciding with or following your completion of one year of service and your 21st birthday.

For nonelective contributions you may become a participant on the first day of the month coinciding with or following your completion of one year of service and your 21st birthday.

A year of service is a year (counting from your date of hire or from the anniversary of your date of hire) in which you have worked at least 1,000 hours.

Ardent Health Services Retirement Savings Plan

Only those hours for which you are paid or for which you are entitled to be paid (for example: vacations, holidays and sick days) can be counted to reach the required 1,000 hours of service. However, if you go on a qualified military service leave, such period of leave will be counted when determining hours of service.

If you are a rehired employee, or you are returning from a qualified military service leave, and you were previously a participant in the Plan, you may join the Plan on your rehire date. If you are a rehired employee, and you were not previously a participant in the Plan, your Plan Administrator will determine the date you may enter the Plan.

NOTE: Service with all predecessor organization(s) will be counted when determining whether you completed the service requirement.

How do I become a participant in the Plan?

Approximately one month prior to the date you are eligible to participate in the Plan, Fidelity will mail you enrollment material. This material will explain the enrollment procedures. You may join the Plan by visiting the participant website or by calling Fidelity at 800-835-5095.

If you do not join the Plan when you first become eligible, you may join on any business day thereafter, or as soon as administratively feasible.

If I am married, may I designate someone other than my spouse as the beneficiary of my account?

Yes, but you must first submit the written consent of your spouse witnessed by either a notary public or Plan representative.