Before your blackout period starts

Until your plan enters its assigned blackout window, your account will continue to be serviced on the Accrue 401k platform. Any normal activity (such as requesting a distribution or loan) continues to run through Accrue 401k’s existing process and contact channels. If you are planning to submit a request for a withdrawal, loan, or distribution, make sure to submit this request well in advance of your blackout period to allow for seamless processing.

During the blackout period

When your transition window begins, your plan enters a short blackout period—a temporary period during which some account activities are paused so your plan’s assets and data can be moved securely to Vestwell. During this time, you may not be able to:

Make changes to your investments
Adjust your savings rate
Request new distributions or loans

If you have a time-sensitive distribution or loan request that falls near your blackout dates, the exact handling and timing may depend on when the request is submitted relative to your plan’s transition window. If you have any questions about a specific request, the Vestwell team is happy to help at help@vestwell.com.

After the blackout period ends

Once your plan’s assets and data have been loaded onto the Vestwell platform and the blackout ends, your plan is considered fully live on Vestwell, and Vestwell’s team fully services your account. At that point:

You’ll receive an email invitation to set up your Vestwell account and create login credentials.
Normal account activity resumes; you can log in to view balances and investments, update contributions, and manage beneficiaries.
Future distributions, withdrawals, and other transactions are handled through the Vestwell saver portal and Vestwell’s saver support team.