How the Plan Works

Our 401(k) plan allows you and Zebra to contribute to your savings for the future. You are automatically enrolled (unless you opt out within 60 days of your hire date), and you can change your contributions or investments at any time during the year, directly through Vanguard – no need to wait for annual enrollment.

Access Your Account

If you already have an account with Vanguard, you can access your 401(k) using your current Vanguard credentials. If you are logging into Vanguard for the first time, register for a new account using plan number 097573.

Plan Highlights:

  • You immediately own 100% of the money in your account (both your contributions and Zebra’s), with no vesting period.
  • You may choose to let Vanguard invest your money based on your expected retirement date, or you can create a custom portfolio for a more hands-on approach.
  • You can get professional investment advice directly through Vanguard.

Automatic Contributions

If you take no action within 60 days of your hire date, you will be automatically enrolled with 6% of your pre-tax earnings invested in the target retirement date fund closest to the year you will turn 65. Each year, your contribution will automatically increase by 1%, up to 15%, unless you make changes through Vanguard.

Zebra Matching Contribution

Contribute at least 6% of your pay to get the most free money from Zebra.

Zebra matches:

  • 100% of the first 2% of pay you contribute, plus
  • 50% of the next 4% of pay you contribute

(Company match only applies to before-tax and Roth after-tax contributions.)

NEW: If you don’t currently receive the full company match and are paying student loans, Zebra may contribute to your 401(k) account through the Student Loan 401(k) Retirement Match (SLRM) benefit.

Check Your Limits

You can contribute up to 75%* of your eligible pay, within IRS limits. These limits include contributions from you and the company to any 401(k) plan during the calendar year.

For 2025, the limits are:

  • Pre-tax and Roth employee contributions: $23,500
  • Catch-up contributions:
    • Age 50-59: $7,500
    • Age 60-63: $11,250
    • Age 64+: $7,500
  • Traditional after-tax contributions: $70,000 for all combined employee and employer contributions

*Limits are lower for highly compensated employees:

  • Pre-tax and Roth employee contributions: Up to 15% of pay
  • Traditional after-tax contributions: Up to 4% of pay

Maximize Your Savings

Be strategic about when you pay taxes, so you save money when it matters most to you.

Before-Tax Contributions

You contribute dollars deducted from your pay before taxes are calculated, which lowers your taxable income and reduces your taxes. When you take a qualified distribution, both contributions and investment earnings are taxable.

Roth After-Tax Contributions

You contribute dollars deducted from your pay after taxes are calculated, so your taxable income isn’t lowered. When you take a qualified distribution, both contributions and investment earnings are not taxable.

Traditional After-Tax Contributions

You contribute dollars deducted from your pay after taxes are calculated, so your taxable income isn’t lowered. When you take a qualified distribution, investment earnings are taxable but contributions are not. 

Consider this option if you:

  • Have maximized other tax-advantaged retirement savings options.
  • Plan to convert to a Roth account in the future, because you can potentially benefit from tax-free growth on earnings.

In-Plan Conversions

Convert pre-tax money into Roth after-tax money for potential tax-free withdrawals later.

Our plan offers flexibility to manage your money with two in-plan conversion options:

  • Automatic in-plan conversion of traditional after-tax contributions to Roth after-tax
  • In-plan conversion of before-tax contributions or traditional after-tax balances to Roth after-tax

Click here for more information about in-plan conversions.

Student Loan 401(k) Retirement Match

Managing student loan debt can make it challenging to save for retirement. To support you, Zebra may match your student loan payments with company match contributions to your 401(k) plan.

If you are currently paying student loans and contribute less than 6% of your total eligible compensation to your 401(k), you may qualify for Zebra’s Student Loan Retirement Match (SLRM) benefit, which enables Zebra to match your student loan payments at the same rate as our standard 401(k) plan contribution. The SLRM is administered directly through Vanguard in partnership with Candidly. To learn more, review FAQs.

To begin using this benefit, log into your 401(k) account through Vanguard and click “Log me into Candidly”. On the Candidly site, you will also find tools to help you pay down debt faster, compare refinancing offers, and more.

Vanguard Advisory Services

Zebra also provides you with access to professional investment advice through Vanguard Advisory Services. Once you are enrolled in the 401(k) plan, you may choose from the following types of advisory services:

Vanguard Digital Advisor®

Use this online advice service to get expert investment management that can help you save for retirement—plus tackle other savings goals, knock out your debt, and more.

Vanguard Personal Advisor®

Get ongoing access to advisors, who will manage your money and help you tackle your most complex retirement and other financial issues. Certain fees apply.

Vanguard Situational Advisor™

Set up a chat with an advisor to discuss retirement or any other financial situation that pops up.

To learn more, log in to your account at vanguard.com/retirementplans, select “Manage my money”, and then click “Advice”, or call 1-800-523-1188.