Retirement Plans

The sooner you start saving, the better off your financial future will be. BJC HealthCare offers several retirement plans. Your eligibility is dependent on which hospital or health service organization you work for within BJC. Options include 401(k) or 403(b) defined contribution offerings administered by Vanguard and the defined benefit Pension Plan administered by Aon Hewitt. Review important changes to BJC's 401(k) and 403(b) plans here.

BJC 401(k) Plan

BJC HealthCare encourages you to invest in your future using the BJC 401(k) Plan. 

  • Contributions are automatically deducted from your paycheck on a pre-tax basis
  • NEW ROTH 401(k) OPTION! Starting September 1, 2017,
    you can also make contributions to your retirement account on an after-tax basis. Learn more
  • BJC makes matching contributions of up to 1.75 percent; to receive the full match, you must contribute at least 4 percent (Not all BJC hospitals and health service organizations are eligible for employer matching contributions.)
  • While we have a range of investment choices that you can tailor to your needs, we also have Target Date funds that automatically adjust your investments as you get older
  • You can rollover money from a prior employer's eligible retirement plan
  • You can make additional contributions if you are 50 or older
  • You can change your contribution percentage at any time to fit your particular circumstances


As of January 1, 2015, all BJC hospitals and other health care entities affiliated with BJC have adopted the plan and are participating employers

PRN and part-time employees are also eligible to participate in the BJC 401(K) Plan. If you have questions regarding your eligibility, contact the BJC employee retirement benefits office 314.362.0551.


If you were hired on or after February 1, 2015, you were automatically enrolled in the BJC 401(k) Plan, and will be set up to contribute 4 percent of your eligible earnings to the plan unless you take action to reduce or increase this contribution, or to opt out. (Auto enrollment does not apply to Memorial Hospital, Memorial Hospital East, Memorial Hospital Medical Group employees who joined BJC prior to Jan.1, 2017.)

If you are not currently enrolled, you have three different ways to enroll:

  • Online: Enroll on the Vanguard website. You will be prompted on how to enroll in the plan. You will need your Social Security Number, ZIP code, date of birth, and the unique number assigned to the plan by Vanguard, 093371.
  • VOICE Network: Call Vanguard’s 24-hour automated VOICE Network toll-free 800.523.1188. To enroll through VOICE, you will need your Social Security Number and a personal identification number (PIN). Please contact Vanguard to have one mailed you.
  • Speak to an Associate: Speak with a Vanguard Participant Services Associate toll-free 800.523.1188, 7:30 a.m.-8 p.m. Monday-Friday.

Please note: The Vanguard 401(k) and 403(b) update home-mailer in March incorrectly identified the new fund offering as Vanguard Developed Markets Index Fund Institutional Shares. The correct new fund is the Vanguard Developed Markets Index Fund Admiral Shares.

Matching Contribution

When you contribute at least 4 percent of your eligible earnings, BJC will contribute an amount equal to 1.75 percent of your eligible earnings. Taking advantage of this incentive to save can help you move closer to your retirement goals. (Not all BJC hospitals and health service organizations are eligible for employer matching contributions.)

For example, if you earn $50,000 and contribute 4 percent of your pay throughout the year, you will contribute at total of $2,000 and BJC will contribute a total of $875. That’s a total annual contribution of $2,875.

BJC 401(k) Plan Videos 

Select a question to view the video answer. Videos are approximately three and a half minutes or less.

More information

To increase your contribution rate to take advantage of BJC’s full company match, click on your BJC 401(k) Vanguard desktop icon and log in to your account, or go to the Vanguard website
You can also call Vanguard toll-free 800.523.1188. The BJC 401(k) Plan number is 093371.
For more details on 401(k) participation, see the 401(k) Summary Plan Description.

BJC 403 (b) Plan

The BJC 403(b) Plan is a defined contribution plan and is in place to provide an additional retirement offering for our Parkland Health Center, Alton Memorial Hospital and Memorial Hospital employees. This plan provides an annual contribution of 4 percent of eligible earnings to all eligible employees. This plan is designed to supplement the personal investments made by employees in the 401(k) plan (along with the BJC match at eligible locations) to better support meeting retirement goals. This plan is also administered by Vanguard and enrollment is automatic. For more details on 403(b) participation, see the 403(b) Summary Plan Description.

BJC Pension Plan

Pension plans are a lifetime benefit to employees. The longer you give your service to BJC, the more you will benefit from your pension when you retire. Not all BJC hospitals and health service organizations participate in the BJC Pension Plan. Those hospital and health service organizations that do not offer the BJC Pension Plan, instead, have a 403(b) retirement offering.

Plan Overview

  • Provides us with a monthly income for life during our retirement years, and is 100 percent funded by BJC; there are no employee contributions to this plan
  • Where offered, it is generally available to all employees working 20 hours or more per week
  • Your retirement benefit builds up or accrues as your years of benefit service increase
  • Learn more about the BJC Pension Plan and its value through an interactive video

FAQ Videos 

Select a question to view the video answer. Videos are approximately three minutes or less.













In general, eligible employees automatically become a plan participant on the January 1 or July 1 following the date they:

  • Are employed one year
  • Are 21 years of age or older
  • Have worked at least 1,000 hours in a 12-month period

For more details on participation, see the BJC Pension Plan Summary Plan Description.


Being vested in the plan means you have a right to benefits from the plan even if you leave the company before you reach retirement age. You earn one year of vesting service for each plan year (W-2 year) in which you are credited for at least 1,000 hours. You need five separate plan years in which you have been credited with 1,000 or more hours in each year in order to be vested.  

For more details on vesting, see the Summary Plan Description.

More information

Social Security FAQ Videos 

If you have questions regarding the BJC Pension Plan, contact the BJC Retirement Service Center toll-free 800.239.4538, 7 a.m.-3 p.m. Monday-Friday.

BJC encourages all eligible employees to visit the BJC Pension website to get an estimate of their pension benefits, and to make sure their beneficiary designations are up to date (you must be 35 or older to designate a beneficiary).

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