401(k) Update: Moving to Vestwell

Last updated: May 6, 2026

Our 401(k) plan is officially moving from Accrue to Vestwell.

This upgrade is all about giving you a better, simpler, and more flexible way to manage your retirement savings — while keeping everything you’ve already built fully intact.

📅 What’s happening right now

We’re currently in a short transition window:

Blackout period: April 22 – May 6

During this time, your account is being securely transferred to Vestwell.

👀 What this means for you

✅ The good news: everything carries over

  • Your current balance and investments stays the same

  • Your investments stay invested

  • Your paycheck contributions continue as usual

👉 Nothing is lost, paused, or reset — your savings keep working for you.

⏸ What’s temporarily paused

During the transition (now through May 6), you won’t be able to make changes to your account.

This includes:

  • Updating your contribution %

  • Changing investments

  • Taking withdrawals or loans

👉 This is normal and temporary — it ensures everything transfers safely.

📩 What to expect next

Once the transition is complete:

  1. You’ll receive an email from Vestwell

    1. 👉 If you don’t see the email, check your spam folder. 

  2. You’ll create your new account

  3. You can review and update anything you’d like

🚫 How to Opt Out of Enrollment After Account is Transferred

There are a few different ways that employees can opt out of their plan if they would not like to participate:

  1. Easiest Method: Employees can opt out directly through their saver portal.

    • To begin, employees must log in to their saver portal

    • From the home page, under the "Savings Rates" section, select Change Savings

    • Adjust the Pre-Tax and/or Roth amount to "0" and then select Apply Changes

  2. Employees can contact Vestwell directly.

  3. Employees can opt out by completing the Automatic Enrollment Permissible Withdrawal and Opt-Out Form. From here, employees can withdraw funds that were accidentally deferred due to auto-enrollment.

💡 Important notes

Contribution timing

  • It may take a short time after the transition for contributions to fully appear

  • Any recent payroll contributions will be automatically backfilled

If you don’t set up your account right away

No problem:

  • Your contributions will still continue

  • You just won’t be able to view or update your account until you log in

Beneficiaries

Your existing beneficiary information should carry over, but we recommend reviewing it once you log in.

Past account history

  • Your new account will be on Vestwell

  • You may need to access Accrue for older statements or historical records

✨ What’s new with Vestwell 

With Vestwell, you’ll get:

  • 📱 A cleaner, easier-to-use dashboard (web + mobile)

  • 🎯 More personalized investing options

  • 💰 Optional emergency savings tools

  • 🌍 Better support and accessibility

❓ Quick FAQs

Do I need to do anything right now?
No — you’re all set for now.

Will my money still be invested?
Yes — your investments continue as normal during the transition.

Will I lose any money?
No — your balance and investments transfer securely. 

Do I need to re-elect my investments?

No. Your current investment elections will carry over automatically. 

Will my paycheck change?
Only slightly if you had a decimal contribution (due to rounding).

When can I make changes again?
After May 6, once you set up your Vestwell account.

What if I don’t see the email?
Check your spam folder, then reach out to hr@finnihealth.com. You could also reach out directly to Vestwell for support using:

• clientsuccess@vestwell.com (transition questions)

• help@vestwell.com (general support)

🔗 Have more questions?

If you’d like to dive deeper into how the transition works, Vestwell has a detailed FAQ covering things like investments, timing, and account setup: 👉 https://save.with.vestwell.com/accrue401k-faqs