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C&E Resource Center

Helpful resources for an updated client experience.

Enrollment and Onboarding Workplace Saving and Investing Well-being Separated Participants Other Plan Benefits

A thoughtful participant communications strategy is critically important to both driving awareness and consideration of further engagement with benefits offerings and, as such, Fidelity continues to focus on delivering a strategy and offering grounded insights and data. When it comes to the participant communications strategy and offering, we work toward a common goal—helping to instill confidence and well-being at every step of the employee experience as a partner to drive better outcomes.

As such, our framework of Welcome Me, Know Me, Help Me is laser-focused on delivering that.

Welcome Me: This is about meeting employees where they are, recognizing them and their culture, showing up in their communities, and being accessible for their needs.

Know Me: We recognize that rather than pushing an agenda, we need to listen and learn what is important to employees and engage with them to understand what they value and need to help build trust and confidence.

Help Me: This is about showing employees the way forward, outlining options so that they can feel good about their situation, and making it clear and simple when and how to take action.

 

Enrollment and Onboarding

For newly hired and Tenured Unenrolled employees, we provide email and digital communications that highlight the benefits of enrolling in a retirement savings plan; a suggested savings rate to meet your goals; and tools, resources, and guidance to aid in the decision-making process.

This end-to-end experience is created through two unique subcategories: Enrollment and Onboarding. By adopting all communications in these areas, you will be able to provide your employees with a comprehensive experience.

ENROLLMENT

Enrollment helps your employees understand the importance of enrolling in their workplace savings plan, the unique options they have within their plan, and how saving is the key to meeting their long-term goals.

A comprehensive suite of digital and email communications helps guide and simplify the enrollment process for your employees.

Communication streams will vary based on the features you have enabled in your plan(s).

Topic: Enroll
Fidelity offers simple, need-based messaging to employees who are newly eligible to enroll in their workplace savings plan, which helps them to start making savings choices.

Topic: Tenured Unenrolled
Through a series of educational and enrollment messages, the objective is to help tenured unenrolled employees—those who are eligible to enroll but have not done so in 90 days—learn how small changes can help improve their financial wellness by taking action.

ONBOARDING

This program welcomes and engages new plan employees through need-based messages and highlights specific actions to take to start getting the most out of their workplace savings plan.

Topic: Post-Implementation
When a plan joins Fidelity from a prior recordkeeper, all enrolled employees are welcomed to Fidelity and offered communications to help them start setting up their account profile, preferences, and beneficiaries.

Topic: Post-Enrollment
Post-enrollment is designed to welcome newly enrolled employees and help them with account setup and preferences, review investing and savings approaches, as well as provide information about the tools and resources available to them with their plan.
 

Workplace Saving and Investing

Fidelity helps your employees understand the importance of saving and investing while providing them with the support they need to feel empowered about the decisions they make.

SAVINGS

Employees have asked for help with how to and how much to save for retirement. These communications will help get them there.

Topic: Saving Strategies
Provides strategies, tips, and general rules of thumb for retirement savings.

Catch-Up Contributions

Topic: Contribution Limits
Educates employees on retirement plan contribution limits based on current tax year limits established by the IRS—including opportunities for employees over age 50 to make catch-up contributions to help boost their savings as they near retirement.

INVESTING

Determining the right investment mix is a key decision when saving for retirement. These communications will help educate your employees about the importance of proper asset allocation and diversification.

Topic: Saving Strategies
Educates employees on the basics of investing, how to properly allocate, and how to create an investment strategy to help them reach their financial goals.

QUARTERLY CHECK-IN

The Quarterly Check-In (QCI) provides participants with a personal assessment of their retirement savings progress and next steps, along with resources to help build their confidence in managing everyday financial matters.

Quarterly Check-In: Education
Quarterly Check-In: Education – Advisor
Quarterly Check-In: Advice
Quarterly Check-In: Advice - Advisor

GETTING READY FOR RETIREMENT

Getting Ready for Retirement
For pre-retirees and retirees, making key decisions at the right time can help them feel more prepared and confident throughout their retirement journey. These triggered communications provide education and tools to help employees along their journey to retirement—helping them take confident steps in a manageable way.

Messages cover topics like: retirement decision prioritization; retirement income planning; claiming social security; Medicare enrollment education, and RMDs.

WORKPLACE SAVINGS PLAN LOANS

Loans are an important plan feature, yet for some, they can impact the ability to save for retirement. Designed to help minimize the impact of workplace savings loans, these annual touchpoints along with the loan payoff message, help loan takers review their full financial situation, self-select, and prioritize next steps to help reach future goals.

Topic: Workplace Loan Repayment Program
These communications provide education and access to resources over the course of the repayment journey.
 

Well-being

Well-being supports your employees as they navigate all aspects of their ever-evolving financial journey.

FINANCIAL WELLNESS

These communications encourage employees to deepen their involvement with their financial health, particularly in the moments that matter. Financial wellness helps employees with their broader financial priorities within the context of their retirement plans.

Tier 1: Financial Wellness Recommendation Trigger
This responsive email communication is designed to empower employees to take action on the results of their personalized Financial Wellness Checkup. Given the outcome of an individual’s checkup, the communications will be customized to speak to their unique needs and goals at that moment in time.

Tier 2: Financial Wellness Recommendation Trigger for the Less Engaged
This program helps employees take action on their most pressing financial needs. Given the information we have about each person, the communications will be customized to speak to their unique needs and goals. It will be triggered based on login.
Note: Anyone who has taken the Financial Wellness Checkup will be excluded from this email. Instead, they will receive the Tier 1 Financial Wellness Recommendation Trigger.

Tier 3: Financial Wellness Checkup Trigger
This email encourages employees to stay involved with their finances in a fun and engaging way that helps them see how they’re doing and how to build and improve their financial confidence.

FidBits NEWSLETTER

This ongoing newsletter-style email streamlines all the ways Fidelity can help your employees navigate today’s challenges and prepare for their financial future.
FidBits Newsletter

LIFE EVENTS

Changes in life, both planned for and unexpected, often require important decisions.

Our resources help employees reduce stress and confidently make informed decisions to address the complexities of their daily lives.

Topic: Financial Wellness Life Events
Features curated resources, tools, tips, and third-party solutions that help employees navigate the moments that matter, holistically incorporating financials, logistics, and emotions.

Topic: Life Events Email Triggers
Email triggers delivered responsively after an employee informs us of a life event, to deliver real-time support that provides employees with resources and tools to help them feel confident and make informed decisions around emotional life events, beyond just retirement.

LEARN HUB

The Learn Hub is a one-stop shop of our top tools and other resources to assist employees with answers to their most pressing questions—whether it’s dealing with a life change or reflecting on plans for their future.
 

Separated Participants

This program delivers ongoing help to employees who have left their employer but still have money remaining in their account so that they feel confident about their options and are well-informed about the steps they can take.

SEPARATED

Your separated employees are provided with the tools to help them make informed decisions and stay engaged with their retirement savings left with their former employer.

Separated Trigger
 

Other Plan Benefits

Underpinning our four main categories are our product strategies, a suite of features and products with accompanying communications, that help address additional employee needs.

STUDENT DEBT

The Student Debt program reengages participants have previously used the Student Debt Tool by encouraging them to revisit the tool as a means of improving their overall financial wellness.

PERSONALIZED PLANNING & ADVICE (PPA)1

For clients who offer Personalized Planning & Advice as a plan benefit, consider leveraging these materials to educate employees about the service and drive awareness about the various ways to get investment help from Fidelity.

STOCK PLAN SERVICES (SPS)

The Stock Plan Services communications and education program is designed to support the administration of your equity compensation benefit while helping to drive higher levels of company loyalty, perceived value, and financial confidence among participants. Our goal is to help everyone get started, navigate plan events, and plan for their financial goals so that they can make the most of their stock plan and the resources available through Fidelity.

HEALTH SAVINGS ACCOUNT (HSA)

The Health Savings Account (HSA) campaigns leverage simple, targeted messages that can help engage and educate employees throughout their journey from awareness of HSA-eligible Health Plans and HSAs to using them to fit their immediate and long-term health care needs.

Please note, participant resources are not applicable to individuals outside the U.S.
For plan sponsor and investment professional use only.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

1Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers, are Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.

By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting or otherwise using the Fidelity prepared communications attached here and on behalf of such organization accept these terms and conditions on behalf of the organization located at http://go.fidelity.com/TermsForClientUsage

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
Fidelity Distributors Company LLC, 500 Salem Street, Smithfield RI, 02917
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