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Contact Empower at 888.411.4015 or EmpowerMyRetirement.com to start contributing or ask questions.

Wendy’s is committed to helping you pursue your retirement savings goals. We have partnered with Empower Retirement to help support you. The retirement plan that Wendy’s offers comes with two savings options: pre-tax or Roth after-tax contributions. Wendy’s will even match part of your contributions to help jump-start your savings even more. You can elect to contribute to the Plan anytime throughout the year. Here are the basics of the Plan:

• You are eligible to participate if you are at least 21 years old and have completed one month of service.
• You may contribute from 1% to 75% of your eligible pay, up to IRS limits. You can contribute additional catch-up contributions if you are age 50 or older by the end of the year.

Each year, the amount you can contribute to the account is set by the IRS.

2025 IRS contribution limits:

• $23,500 — under age 50
• $31,000 — ages 50 to 59
• $34,750 — ages 60 to 63
• $31,000 — ages 64 and older

The annual compensation limit for 2025 is $350,000. This is the maximum amount of eligible compensation that can be taken into account for contributions.

If you are contributing to the Plan on a pre-tax basis, you generally are not taxed on your salary deferrals until you withdraw those amounts from the Plan. If you are contributing to the Plan on a Roth after-tax basis, the salary deferrals are taxable at the time they are deducted from your biweekly paycheck and contributed to the Plan. The earnings on Roth contributions to the Plan are generally not taxed upon distribution, as long as the account has been open at least five years and you are at least age 59 ½.

More Money from Wendy’s!

Wendy’s will match your contributions:

• Dollar-for-dollar, up to the first 3% of your pay
• Then, $0.50 for each dollar for the next 2% of your pay

It all adds up! Even if you can only contribute a little bit each pay period, every dollar counts!