BJC HealthCare 401(k) at a glance
| Employer match | BJC matches 50% of the first 4% of pay you contribute (max 2% of pay). |
|---|---|
| Maximum match | 2% of pay |
| Contribution needed for full match | 4% of pay |
| Company contribution (no match needed) | BJC also puts in 4% of your prior year's eligible pay each year you work 1,000 or more hours, with no employee contribution needed, starting after one year of service. |
| Vesting | 3 years to fully vestYour contributions vest immediately. BJC contributions vest fully after 3 years of service. |
| Eligibility | Eligible employees can enroll immediately after hire; the 4% automatic contribution starts after one year of service. |
| Roth 401(k) option | Yes |
| Plan provider | Fidelity |
| Who this applies to | BJC employees (GME resident house staff do not get the 4% automatic contribution) |
How much is the BJC HealthCare match worth?
If you contribute 4% of your pay, BJC HealthCare adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (4%) | BJC HealthCare match | Company contribution |
|---|---|---|---|
| $40,000 | $1,600 | $800 | $1,600 |
| $60,000 | $2,400 | $1,200 | $2,400 |
| $90,000 | $3,600 | $1,800 | $3,600 |
| $150,000 | $6,000 | $3,000 | $6,000 |
Illustration based on the plan terms above. Your actual match depends on eligible pay, timing and plan rules.
Good to know
- BJC is a nonprofit health system; the plan is called the BJC 401(k) Plan.
- Total possible employer contribution is about 6% of pay (2% match plus 4% automatic).
Other BJC HealthCare retirement benefits
- Free financial planning through Fidelity
- HSA contribution of up to $500 (single) or $1,000 (other tiers)
How to make the most of your BJC HealthCare 401(k)
- Always get the full match. Contribute at least 4% of pay. It is an instant return you cannot get anywhere else.
- Check your vesting date before you change jobs, so you do not leave unvested money behind.
- Pre-tax or Roth? If you expect a higher tax rate in retirement, Roth contributions can pay off. Model it with our Roth conversion calculator.
- Watch fees and prefer low-cost index or target-date funds in the plan lineup.
- Plan the whole picture: see how your state taxes retirement income before you decide where to retire.
Frequently asked questions
Does BJC HealthCare match 401(k) contributions?
BJC matches 50% of the first 4% of pay you contribute (max 2% of pay). BJC also puts in 4% of your prior year's eligible pay each year you work 1,000 or more hours, with no employee contribution needed, starting after one year of service.
When does the BJC HealthCare 401(k) match vest?
Your contributions vest immediately. BJC contributions vest fully after 3 years of service.
When can I join the BJC HealthCare 401(k)?
Eligible employees can enroll immediately after hire; the 4% automatic contribution starts after one year of service.
How much should I contribute to get the full BJC HealthCare match?
Contribute at least 4% of your pay. Anything less leaves part of the match unclaimed.
Sources (last verified 2026)
- BJC Health 2026 Benefits Summary — BJC HealthCare (2026)
Educational content only, not tax, legal or investment advice. Plans and tax laws change; confirm details with your employer's plan documents or your state revenue department. Smart Financial Lifestyle is not affiliated with any employer named on this site.