REI helps you save for retirement with a 401(k) Plan administered through Voya. You’ll be automatically enrolled in the Plan after 90 days from your date of hire or rehire if you do not make an active election. Both you and REI contribute to your account.
Beginning July 3, 2026, REI will transition from a guaranteed employer contribution structure to a matching contribution structure. The employer match is calculated based on the annual average of your total contributions and eligible compensation for the full plan year (see the “Exception for 2026” section below).
The match is subject to the three-year vesting schedule: 33%, 66%, 100%. You’re 100% vested when you reach your third work anniversary with REI.
Your contribution elections remain unchanged. If you would like to update your elections for your July 3 paycheck, log in to REI.voya.com to update your contribution elections by June 26, 2026, 1pm PT/4pm ET.
You can make changes to increase, decrease or stop your contribution election at any time.
Register here to learn more about the matching contribution, find out what to expect during the transition year or schedule a one-on-one session with a retirement advisor:
| Date | Time |
|---|---|
| June 17, 2026 | 10am PT/1 pm ET 2 pm PT/5 pm ET |
| June 18, 2026 | 8 am PT/11 am ET 12 pm PT/3 pm ET |
You’re eligible to begin saving in the Plan 30 days following your date of hire. Once eligible, you’ll receive enrollment information from Voya.
You must meet all the following requirements to be eligible for the match in each plan year:
To receive the match, you must contribute to your retirement account. Matching contributions:
Eligible earnings include compensation paid within the calendar year and are subject to the annual IRS limits. They don’t include Summit Incentive pay.
Examples:
| Annual Pay* | Deferral % | A Your Annual Contribution** | B REI Annual Match | A+B Total Annual Retirement Savings |
|---|---|---|---|---|
| $66,000 | 3% | $1,980 | $1,980 | $3,960 |
| 4% | $2,640 | $2,310 | $4,950 | |
| 5% | $3,300 | $2,640 | $5,940 | |
| $25,000 | 3% | $750 | $750 | $1,500 |
| 4% | $1,000 | $875 | $1,875 | |
| 5% | $1,250 | $1,000 | $2,250 |
*Summit pay NOT included.
**Contributions from Summit pay NOT included.
There are two employer contributions for 2026, the transition year:
Guaranteed contribution | Match contribution |
Examples:
| Annual Pay* | Deferral % | A Your Annual Contribution** | B 5% Guaranteed Jan–June | C Match July–Dec | B + C Total REI Contribution | A + B + C Total Annual Retirement Savings |
|---|---|---|---|---|---|---|
| $66,000 | 3% | $1,980 | $1,650 | $990 | $2,640 | $4,620 |
| 4% | $2,640 | $1,650 | $1,155 | $2,805 | $5,445 | |
| 5% | $3,300 | $1,650 | $1,320 | $2,970 | $6,270 | |
| $25,000 | 3% | $750 | $625 | $375 | $1,000 | $1,750 |
| 4% | $1,000 | $625 | $438 | $1,063 | $2,063 | |
| 5% | $1,250 | $625 | $500 | $1,125 | $2,375 |
*Summit pay NOT included. Assume annual pay is divided equally between first and second half of 2026.
**Contributions from Summit pay NOT included. Assume annual contribution is divided equally between first and second half of 2026.
How you can defer Summit Incentive Pay depends on your role. Please review the section that applies to you. Eligible employees may defer up to 75% of their Summit payout subject to IRS limits.
If you work in a store or DC sector, Summit Incentive Pay is paid quarterly. You may choose to defer a portion of each quarterly payment to your REI retirement plan.
How it works:
| Summt Payout | Paycheck Date | Election Change Deadline |
|---|---|---|
| 2026 Q1 Summit | June 5, 2026 | May 29, 2026 (1pm PT / 4pm ET) |
| 2026 Q2 Summit | August 14, 2026 | August 7, 2026 (1pm PT / 4pm ET) |
| 2026 Q3 Summit | November 20, 2026 | November 13, 2026 (1pm PT / 4pm ET) |
| 2026 Q4 Summit | February 26, 2027 | February 19, 2027 (1pm PT / 4pm ET) |
*All deferral changes must be submitted before the quarterly Election Change Deadline to apply to that Summit payment.
Summit Incentive Pay is paid once per year if you work in an HQ or SCS sector. You may choose to defer a portion of your annual Summit payment during the election window, which will be announced annually. Elections made for each annual election window will not roll over to the next year.
| Age on December 31, 2026 | Contribution Limit |
|---|---|
| Under 50 | $24,500 |
| 50–59 and 64 and older | $32,500 ($24,500 + $8,000 in catch-up contributions) |
| 60–63* | $35,700 ($24,500 + $11,250 in catch-up contributions) |
*Beginning with the July 3, 2026, pay date
Beginning January 1, 2026, the SECURE 2.0 Act introduces a key change for certain employees:
Click here to learn more about what this means for you and what you should consider.
Log in to your account at REI.voya.com to review or make changes to your contributions.
Follow these steps to enroll in or access your account.
Want to learn more about the Plan features before you enroll? Visit go.Voya.com/REI.
Enroll at REI.voya.com or via the Voya Retire® mobile app. You’ll need a code/PIN to register your account. Obtain your code/PIN by visiting REI.voya.com and clicking Register Now. Enter the necessary information on the welcome screen and then click Continue.
You can receive a code/PIN through one of the following options:
After acquiring your code/PIN by email or mail, visit REI.voya.com and click Register Now. On the welcome page, select “I have a PIN,” then establish a unique username and password. This will grant you access to the website and Voya Retire® mobile app. Proceed by clicking Continue.
You may contribute up to 75% of your eligible compensation (up to the IRS contribution limit) in pre-tax and/or Roth 401(k) contributions. You may change your contribution rate at any time.
The default investment fund is a target date fund based on your age. However, the Plan offers you multiple investment strategies, including a managed account service through Voya Retirement Advisors powered by Morningstar®. Choose the approach that works for you. You can change your investments at any time.
Designating your beneficiary allows your vested account balance to be distributed according to your wishes in the event of your death. It’s important to occasionally review your choice, particularly after major life events such as marriage, the birth of a child or a divorce. Designate your beneficiary by going to Personal Information > Beneficiary Information.
Verify that your profile information is correct, including your personal identifiers and mailing address. (Incorrect information may affect your ability to request certain transactions.) While you’re logged in to REI.voya.com, go to your name in the upper right corner and select Personal Information.
You must opt in to receive electronic communications even if you had done so at Schwab. Stay up to date on important Plan information and announcements. Sign up to receive Plan communication electronically by clicking on your name in the upper right corner and selecting Communication Preferences.
Whether it’s figuring out how much to contribute to your retirement account, creating a monthly budget, managing your estate planning or paying off your credit card, Voya Learn offers a suite of resources. Once you log in to the plan website, go to Financial Wellness to access Live & On Demand education sessions, Savings Tools & Calculators and Your Financial Wellness journey.
Voya offers a variety of live sessions and on-demand videos (available in both English and Spanish) to help you on your journey to financial wellness. These sessions cover a wide range of topics to enhance your financial knowledge, including:
Get real-time advice to help you with savings and investment planning. Point-in-time advice—provided by Voya Retirement Advisors powered by Morningstar®—is free to REI employees. For a monthly fee, you may also sign up for managed account services (also through Voya Retirement Advisors powered by Morningstar®). To schedule a consultation, log in to REI.voya.com and select Get Investment Advice.
Explore these resources to help you on your journey to a more secure financial future.
While some people prefer actively selecting and managing their own investments, others don’t have the time or inclination to actively manage their accounts. REI offers solutions for both these approaches.
What’s Offered
These funds are designed and professionally managed based on your expected retirement date. The investment allocation becomes more conservative as you near your retirement age (age 65). This is also the Plan’s default fund if you don’t choose your own investments.
What It Means for You
If you don’t have the time or desire to manage your retirement plan savings options, these funds may be right for you.
What’s Offered
A pre-screened group of diverse investment funds to choose from if you like making your own investment decisions.
What It Means for You
You can create and manage your own investment portfolio using the available funds in the Plan.
What’s Offered
Personalized investment recommendations through Voya Retirement Advisors powered by Morningstar®, available at no additional cost, can help you select investments from the Plan’s fund lineup and determine how much to invest in each. If you’re age 50 or older, you can receive a spending strategy that outlines how to optimize your income sources in retirement.
What It Means for You
You can be involved in managing your retirement plan, but you want the benefit of expert retirement advice. To get started, log in to REI.voya.com and select Get Investment Advice.
What’s Offered
Under the fee-based managed account service through Voya Retirement Advisors powered by Morningstar®, you can choose to receive ongoing professional management of your retirement account and automatic adjustments to your investments as your retirement needs change and as you get closer to retirement.
What It Means for You
For a fee, you leave the management of your retirement account to investment professionals. To schedule a consultation, log in to REI.voya.com and select Get Investment Advice.
What’s Offered
A self-directed brokerage account designed for knowledgeable investors who have a good understanding of the stock market and the risk associated with the investments available through Schwab’s Personal Choice Retirement Account (PCRA).
What It Means for You
You can choose from a broader range of investment choices outside the pre-selected fund lineup. To open a PCRA account, log in to REI.voya.com and go to Investments & Research > Self-Directed Brokerage Account.
You may contact Voya’s customer service associates directly toll-free at 1-833-734-0304 (1-833-REI-0304).
To register, go to REI.voya.com and click the Register Now button. You will be asked to verify your identity by providing personal information.
If this is your first time registering for access with a Voya-affiliated website, the site will walk you through the online registration process. You will be asked to create a username and password and provide either an email address or cell phone number to verify your account. Refer to Logging in to your account for additional details.
If you’ve previously registered for access through another Voya-affiliated website, log in with those Voya credentials and we’ll send you a verification code using the mobile phone number or email address you provided previously. Once your identity is successfully verified, you can use the same username and password for any Voya-affiliated website going forward.
The identity verification methods presented are based on elections made by your employer and information you and/or your employer provided to Voya. If your mobile phone number or email address is on file with Voya, a verification code will be sent to your preferred recovery method. You can use the verification code to verify your identity.
No. For security purposes, your username and recovery email address cannot be the same. The preferred recovery method is to use a mobile phone number for verification. Alternatively, you can use a different email address for verification.
Your username will be stored and displayed in the username field each time you visit the site. You will only need your password to log in.
Registering your computer/device and browser saves you time in subsequent website visits. When your computer/device and browser are recognized, you will not be prompted for additional verification every time you log in.
Note: If you register your computer/device but use multiple browsers to access your account, each browser will need to be registered as well. If you clear your browser data, you may be prompted to register your computer/device again.
Yes, the password field is case sensitive. The username field is not case sensitive.
If you forgot your username, select the Forgot Username? link. If you forgot your password, select the Forgot Password? link. You will be prompted for personal information to verify your identity. If your mobile phone number or email address is on file with Voya, a verification code will be sent to your preferred recovery method. You can use the verification code to either recover your username or reset your password.
If you’re still having trouble, call Voya toll-free at 1-833-734-0304 (1-833-REI-0304).
Make sure you check the email/phone number the code was sent to. Partial information to identify the email address or phone number is displayed on the screen.
If the code was sent by email, check your junk or spam folder. Do not close the page asking for your code to retrieve your email. If you need to use the internet to retrieve your email, open a new browser session or tab to log in to your email.
If the code was texted to your mobile phone, wait a minute or two. If you’ve previously opted out of receiving text messages from Voya, text “START” to 582-86 to begin receiving texts. If you still do not see the verification code, you can select Send me a new code.
If you’re still having trouble, call Voya toll-free at 1-833-734-0304 (1-833-REI-0304).
Be sure you’ve entered the correct six-digit verification code on the screen. If it’s correct and still not working, please request another verification code.
Call Voya toll-free at 1-833-734-0304 (1-833-REI-0304). A customer service associate will verify your identity and assist you in updating your contact information.
The code should arrive within a few seconds. Sometimes it can take a minute or two, particularly if it’s being sent as an email rather than a text message.
The verification code expires after 15 minutes. You will need to request a new code if it expires.
You will not be asked to enter a verification code if you register your computer/device and browser.
You may start contributing 30 days after your date of hire.
You will be automatically enrolled after 90 days from your date of hire or rehire if you do not make an active election. REI will automatically deduct 3% of your eligible compensation every pay period and will increase the amount by 1% each year (up to 15%). You may opt out or change your contribution rate at any time through Voya.
You will receive an enrollment packet from Voya. Then, you may enroll through REI.voya.com or by contacting Voya directly at 1-833-734-0304.
You will be automatically enrolled after 90 days from your date of hire or rehire if you do not make an active election. REI will automatically deduct 3% of your eligible compensation every pay period and will increase the amount by 1% each year (up to 15%). You may opt out or change your contribution rate at any time.
You can contribute up to 75% of your eligible compensation, subject to certain contribution dollar limits by the Internal Revenue Service (IRS). You can increase, decrease or stop payroll contributions effective as of any future pay period.
You can contribute post-tax pay to a Roth 401(k) account in the Plan. Distributions of Roth 401(k) contributions are tax-free. Distributions of earnings are also tax-free, provided that the distribution is qualified—your Roth 401(k) account is held for at least five years and withdrawn after reaching age 59½, or because of disability or death.
You can also convert pre-tax balances that you have contributed to your Plan account to Roth through an in-Plan Roth conversion. IRS rules allow you to make in-Plan Roth conversions of your vested account balance regardless of withdrawal or distribution rights. However, they do not allow you to convert required minimum distributions.
REI provides a matching contribution based on the amount you contribute from your pay. The co‑op matches 100% of the first 3% of eligible pay you contribute and 50% of the next 2%, for a maximum total match of up to 4% of eligible pay.
The employer match is calculated based on your average total contributions and eligible compensation for the full plan year and is deposited to your retirement account in the first quarter following the close of the plan year.
To receive the employer match for a plan year, you must:
Hours of service are counted based on pay periods that end within the plan year, and the employer match is based on eligible compensation paid within the plan year.
REI employer contributions are subject to the plan’s vesting schedule.
The REI contribution is deposited to your retirement account after the close of the plan year. You will not see the contribution on your paycheck. If you receive the employer contribution, you may view the deposit by logging in to your account at REI.voya.com.
Vesting refers to a portion of your account that you own when you leave REI. Depending on how long you worked for REI, you may be partially or fully vested in your Plan accounts. Years of service are counted from your original date of hire.
You are always 100% vested in your contributions from your eligible compensation.
For the REI contributions, you gradually become vested based on a three-year schedule.
| YEARS OF SERVICE FOR VESTING | PERCENT VESTED IN REI CONTRIBUTIONS |
|---|---|
| Less than 1 | 0% |
| 1 | 33% |
| 2 | 66% |
| 3 | 100% |
For the REI-guaranteed contributions contributed to your account before 2022, you gradually become vested based on a five-year schedule.
| YEARS OF SERVICE FOR VESTING | PERCENT VESTED IN REI CONTRIBUTIONS |
|---|---|
| Less than 1 | 0% |
| 1 | 20% |
| 2 | 40% |
| 3 | 60% |
| 4 | 80% |
| 5 or more | 100% |
Employees who meet any of the following become immediately 100% vested: reach age 60, become fully disabled or die while employed at REI.
Yes. The Plan offers a point-in-time advice service to help you with savings and investment planning. The service is provided by Voya Retirement Advisors powered by Morningstar®. This service is free to REI employees, but you may also sign up for managed account service for a fee.
Call 1-833-734-0304 and ask to speak to an Investment Advisor Representative.
Read more about REI’s retirement program in the Frequently Asked Questions.
Check out the Summary Plan Description for an overview of the Plan features and choices, or contact the REI Employee Service Center at hrhr@rei.com or 1-800-999-4734.
Done exploring?
Go Back to Guided Tour