Build your future with the 401(k) and, for some groups, a pension.
Being ready for retirement is an important part of your financial future. The sooner you start saving, the more time your money has to grow.
The TEP 401(k) Plan, administered by Fidelity, offers a variety of investment options. The company matches a portion of your contributions to help grow your retirement savings.
Can I Enroll?
You are eligible to enroll in the 401(k) plan on your first day of employment and may be able to contribute up to 75% of your pay, up to annual IRS limits. If you are age 50+, you can make additional catch-up contributions. If you earned more than $145,000 last year, IRS rules require any catch-up contributions made on or after January 1, 2026, to be Roth (after-tax) contributions.
Build Your Nest Egg
UNS matches your 401(k) contributions dollar-for-dollar up to a certain amount.* Both your contributions and the company match are vested immediately, which means the money is yours to keep.
*The company does not provide matching contributions for deferrals from bonuses.
Helpful Tips
In addition to scheduled on-site events, you may take on-demand workshops at any time at your own pace, 24/7, by going to Fidelity e-Learning. Log in using your Fidelity login ID and password, then select the workshop of interest by clicking “Launch”.
IMPORTANT: You do not need to wait until annual Open Enrollment to update your 401(k) beneficiaries. We encourage you to update your beneficiaries at 401k.com as soon as you know your wishes have changed.
If you’re a regular employee hired before January 1, 2025, or a TEP-IBEW employee, you may be eligible for a UNS pension benefit. See your workgroup’s Summary Plan Description (SPD) in the Documents section for eligibility and plan details.
Your plan may include survivor benefits for your eligible spouse before your pension begins. See your SPD for complete details.
You do not need to wait until annual Open Enrollment to update your Pension beneficiaries. We encourage you to update your beneficiaries via Epoint as soon as you know your wishes have changed.
Plan for retirement with the UNS Pension Employee Self-Service (ESS) tool. Review your pension benefits, estimate your retirement income, and compare different retirement scenarios — all from your computer or mobile device.
Truist Momentum can help make budgeting and planning for retirement easier. For general information, review the Truist Momentum Flyer. To get started, visit truistmomentum.com and register using the code: UNS.
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