Retirement

One of the best ways to prepare for retirement is to start saving as early as possible. Rakuten offers a 401(k) plan through Fidelity that lets eligible employees save through convenient payroll deductions using pretax, Roth, and after-tax contribution options.

Use Fidelity NetBenefits to enroll, review your account balance, update contributions or investment elections, manage beneficiaries, initiate a rollover, or request a loan or withdrawal.

Eligibility

There is no age requirement. Eligible employees may participate after completing one month of service, with entry on the first day of the month.

2026 Contribution Limits

The employee deferral limit is $24,500. The general age 50 catch-up limit is $8,000; a higher $11,250 catch-up limit applies at ages 60 through 63.

Manage Your Account

Enroll, make changes, and find plan information through Fidelity NetBenefits at 401k.com.

Contribution Options

Pretax contributions reduce current taxable income, with taxes generally paid when funds are withdrawn.
Roth contributions are taxed when contributed; qualified distributions are generally tax-free.
After-tax contributions may allow you to save beyond the regular employee deferral limit, subject to plan and IRS limits.

Review the Fidelity Fast Facts and plan documents for complete contribution rules.

Rakuten Employer Match

With less than three years of service, Rakuten matches 100% of your eligible deferral contributions up to 3% of eligible compensation.
With three or more years of service, Rakuten matches 100% of your eligible deferral contributions up to 4% of eligible compensation.
Rakuten matching contributions are 100% vested after one year of service.
The plan does not match employee after-tax contributions.

401(k) Frequently Asked Questions

Who is eligible for the 401(k)?

The plan has no age requirement. Eligible employees may participate after completing one month of service. The plan entry date is the first day of each month.

How do I enroll in the 401(k)?

Visit Fidelity NetBenefits and register using your personal information. Once registered, you can choose your contribution percentage and investment elections. If automatic enrollment applies to you and you take no action, Fidelity will send you a separate notice explaining when automatic enrollment will occur.

What can I manage through Fidelity NetBenefits?

Use Fidelity NetBenefits to review your balance, update contributions, change investment elections, manage beneficiaries, initiate a rollover, or request a loan or withdrawal.

New for 2026: SECURE 2.0 Act Roth Catch-Up Requirement

If you are age 50 or older and your prior-year FICA wages from Rakuten exceeded $150,000, your 401(k) catch-up contributions must be made as Roth contributions.

Who is affected?

The Roth catch-up requirement applies beginning in 2026 if you are eligible to make age 50 catch-up contributions and your FICA wages from Rakuten during the prior calendar year exceeded $150,000.

What does this mean for me?

Mandatory Roth: If you meet the criteria, your catch-up contributions must be Roth rather than pretax.
Tax treatment: Roth contributions are taxed when contributed. Qualified Roth distributions, including earnings, are generally tax-free when applicable requirements are met.
Contribution limit: The Roth requirement changes the tax treatment, not the catch-up limit available to you. The 2026 general catch-up limit is $8,000, with a higher $11,250 limit for participants ages 60 through 63.
No action required: Fidelity will automatically categorize affected catch-up contributions as Roth.

Who is not affected?

Employees whose prior-year FICA wages from Rakuten were $150,000 or less are not subject to the mandatory Roth catch-up rule. If otherwise eligible, they may continue choosing between pretax and Roth catch-up contributions.

For personalized guidance, review Fidelity’s materials or consult a financial or tax advisor.

What should I do next?

Learn more about Roth contributions.
Review your 2025 Form W-2, Box 3, to check your FICA wages.
Talk to a financial or tax advisor about how Roth contributions may affect your goals.
Log in to Fidelity NetBenefits to review or update your contribution elections.