At RaceTrac, we know planning for the future is important for the wellbeing of you and your family. That’s why all team members are eligible to participate in our 401(k) plan on the 1st of the month after 30 days of employment.

1. Traditional 401(k) – Allows you to set aside pre-tax dollars for retirement
2. Roth 401(k) – Allows you to save set aside post-tax dollars for retirement
3. Combination – You can choose to have a combination of both types of accounts

The best option for you will depend on whether you think you’ll be in a higher or lower federal tax bracket when you decide to withdraw your money.

New employees can set up their accounts by:

1. Visiting transamerica.com/portal and clicking “Create an Account.”
2. Entering personal information (name, date of birth, social security number).
3. Setting deferral elections and creating an investment strategy.

• In 2025, team members under the age of 50 can contribute up to $23,500 annually.
• Team members ages 50-59 can contribute an additional $7,500 as a catch-up contribution.
• Team members ages of 60-63 will be able to contribute an additional $11,250 as a catch-up contribution.

• Employees can manage their 401(k) accounts through TransAmerica’s portal or by calling 800-755-5801.
• Use the portal to:
• • Check balances
  • Review investments
  • Adjust contributions
  • Transfer funds
  • Name beneficiaries