HEMLOCK SEMICONDUCTOR OPERATIONS LLC EMPLOYEES’ CAPITAL ACCUMULATION PLAN Contribution & Employer Match

How HEMLOCK SEMICONDUCTOR OPERATIONS LLC Supports Your Retirement Savings

HEMLOCK SEMICONDUCTOR OPERATIONS LLC provides retirement savings benefits through HEMLOCK SEMICONDUCTOR OPERATIONS LLC EMPLOYEES’ CAPITAL ACCUMULATION PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

HEMLOCK SEMICONDUCTOR OPERATIONS LLC EMPLOYEES’ CAPITAL ACCUMULATION PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100 percent of annual compensation, subject to maximum tax-deferred limitations established by the Internal Revenue Code.

2. Employer Match/Contribution Conditions: The employer matches 100 percent of the first 3 percent and 50 percent of the next 2 percent of eligible participant compensation deferred.

3. Vesting Schedule/Eligibility: Employer contributions are fully vested at all times. Eligibility requirements include being a full-time or part-time salaried or hourly employee of Hemlock Semiconductor Operations LLC.

4. Roth 401(k) Contribution: The plan allows participants to contribute on an after-tax basis, which includes Roth contributions.