For Greater Charlotte Teammates

Every day, you commit yourself to caring for the health of our patients and their families — and through that commitment you strengthen the communities we serve. We want you to feel the same pride for your own financial well-being as you have for the quality care you deliver and the support you provide to others.

View the Greater Charlotte Retirement Guide.

In This Section:

Financial Wellness Resources

On-Demand Webinars are available at your convenience, any time, from any device.   

How to Use Your NC 529 Funds  

You saved for college and need to withdraw funds, now what? Join NC 529 Representatives to learn about qualified vs. non-qualified withdrawals, as well as technical procedure instructions. 

Watch Now

Social Security Resources

Access & Manage Your Account

You can manage your Atrium Health Retirement accounts online 24/7.

New User? Select the I Do Not Have a Pin tab.  Follow the prompts to register. 
Empower Retirement: 866-247-0970

If you have a retirement plan account through another employer for which Empower is the service provider, please call Empower Retirement to obtain a Username and Password. 

Your Retirement Plans

401(k) Retirement Plan

Allows teammates to save and invest a portion of their paycheck on a pretax or Roth after-tax basis. Federal and state income taxes on pretax savings, as well as investment earnings, are deferred until the dollars are withdrawn at retirement. Atrium Health also makes contributions to the 401(k) plan.

Learn more about the 401(k) Retirement Plan.

Health Savings Account (HSA)

Includes contributions from both teammates and Atrium Health. Funds from the HSA are used to pay for eligible healthcare expenses. This includes prescription medications, vision and dental expenses, office visits, deductibles and co-insurance. HSA contributions and earnings are not taxed when the dollars are deposited or when the teammate takes them out for healthcare-related expenses. Teammates can invest money in their HSA, similar to the 401(k) plan, once the account balance reaches $1,000.

Learn more about the Health Savings Account.

ADVANTAGE Retirement Plan

Works similarly to the 401(k) plan in that savings and earnings grow tax-free until dollars are withdrawn at retirement. The ADVANTAGE plan should be utilized as an additional pretax retirement plan to supplement the 401(k) plan.

Learn more about the ADVANTAGE Retirement Plan.


Atrium Health will help you fund your retirement by contributing dollars to your 401(k) and HSA accounts.

Teammate: 401(k) Plan HSA ADVANTAGE
Pretax Up to 75% of eligible compensation
($23,000 max in 2024)
$4,150 Single | $8,300 Family
(Includes teammate and Atrium Health contribution)
Up to 100% of eligible compensation
($23,000 max in 2024)
Roth / After-tax Yes  Yes No
Catch-Up $7,500 (at age 50 for 2024) $1,000 (at age 55 for 2024) $7,500 (at age 50 for 2024)
Earnings Not taxed until distribution Not taxed if used for qualified health expenses Not taxed until distribution
Atrium Health: 401(k) Plan HSA ADVANTAGE
Total Atrium
Health 401(k)
7% – 8%
Basic: 2% of eligible pay
Matching: Up to 4%
Performance-Based: 1 - 2% based on
performance and teammate years of service
Teammates enrolled in Health Savings Plan:
$750 for Teammate Only and $1,500 for Family. 

Teammates enrolled in Co-Pay Plan:
$500 for Teammate Only and $1,000 for Family.
No Atrium Health contribution
Vesting Basic: 100% after 3 years
Matching: Immediate 100%
Performance-Based: Immediate 100%
Immediate 100% Immediate 100%


Last Updated on 02/28/2024