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Planning for a Secure Financial Future

We recognize that retirement planning is an important aspect of your financial goals, regardless of your age or stage in career.  BCBSA offers a retirement plan and a variety of resources and tools to assist you in achieving your goals.


  • Eligible to contribute effective with the first pay cycle following enrollment
  • Eligible to contribute up to the IRS maximum
  • Immediate 100 percent match of your contributions (up to the eligible compensation and contribution limits and excluding catch-up contributions) based on plan schedule
  • Additional annual “catch-up” contributions for staff age 50 or older up to IRS limits
  • Vesting 20 percent per year over five years
  • Roth 401(k) option available
  • Fidelity Brokerage Link Option: a mutual fund brokerage window with the investment choices and flexibility of a brokerage account, but with the advantage of investing through the BCBSA Tax-Favored Savings Program.  The funds available are not monitored by BCBSA.  Additionally, this option has additional investment risks, fees and procedures.

Financial Planning

  • Financial education through Merrill Lynch – one-on-one or group sessions
  • Discounted financial planning program through Merrill Lynch
  • On-site 401(k) education workshops and personal one-on-one sessions through Fidelity
  • Online tools to examine and analyze current retirement savings
  • Relationship with Financial Engines to help you better plan for your future goals

Blue Planning

  • Online tool to conduct scenarios to determine current retirement savings and explore various retirement scenarios

Pre-Retirement Workshop

  • On-site sessions and workshops to provide planning information for retirement
  • Sessions delivered in both offices to help maximize the quality of life for the retirement years

Credit Union

  • On-site location which provides member employees savings services including savings account, auto and personal loans, savings clubs, and discount movie tickets


  • Established relationships with Chase, Citibank and Associated Bank for ease of banking and account management