Who is eligible?
All full- and part-time employees who are not part of an excluded class in Sprinklr’s 401(k) summary plan description.
Who puts the money in my account?
You and Sprinklr do. You have the option to set aside money from your paycheck on a pre-tax or post-tax basis up to the annual IRS maximums each year. The Sprinklr 401(k) plan offers Pre-tax, Roth 401(k) and After-tax with conversion options. Sprinklr also provides an employer match on your contributions each year.
Important: you are automatically enrolled in the 401(k) plan with a 5% pre-tax contribution from your pay. This makes it easier to save and helps ensure you build a secure future, take advantage of tax benefits and don’t miss out on any Sprinklr’s matching contributions. Of course, you can adjust or stop your contributions at any time, if you wish.
Annual contribution limits
You can contribute from 1% to 100% of your eligible compensation (up to IRS limits) to your 401(k) in any combination of:
- Pre-tax contributions
- Roth 401(k) contributions
- After-tax contributions
You may change your contribution amount at any time during the year.
IRS contribution limits for 2026
- Standard contributions: Up to $23,500.
- Catch-up contributions (age 50+): Up to $7,500.
- Mandatory Roth catch-up contributions: Beginning Jan. 1, 2026, employees age 50+ with prior-year FICA wages over $145,000 (indexed for inflation) must make catch-up contributions on a Roth (after-tax) basis.
- Enhanced catch-up contributions (ages 60–63): Under SECURE 2.0, participants who are age 60-63 at year-end may contribute up to 150% of the standard catch-up limit or $10,000, whichever is greater.
After-tax contributions & in-plan Roth conversions
You may make after-tax contributions up to the annual defined contribution plan limit, which includes:
- Your pre-tax, Roth and after-tax contributions
- Sprinklr’s matching contributions
If you choose to make after-tax contributions, you may elect to automatically convert those contributions to Roth through an in-plan conversion. This election does not happen automatically. To set up after-tax contributions with an in-plan Roth conversion, contact Fidelity Customer Service at 800-835-5097. You only need to make this election once, when you first choose the after-tax contribution.
Please consult a tax advisor to determine what contribution strategy is best for your situation.
SECURE 2.0 Act provisions
Sprinklr’s 401(k) plan includes several provisions under the SECURE 2.0 Act that expand savings opportunities and provide added flexibility during certain life events.
Withdrawal provisions
The plan includes two optional withdrawal types that may offer flexibility during major life events.
Domestic abuse withdrawals
Participants who have experienced domestic abuse by a spouse or domestic partner within the previous 12 months may self-certify and withdraw the lesser of:
- $10,000 (indexed for inflation), or
- 50% of their vested account balance
Key features:
- The 10% early withdrawal penalty does not apply
- Regular income taxes apply
- Participants may repay the withdrawal within three years to restore their retirement savings
Qualified disaster withdrawals
If your primary residence is in a federally declared disaster area and you experience losses:
- You may withdraw up to $22,000 per disaster
- The withdrawal is subject to income tax but not mandatory withholding
- The distribution must be taken within 180 days of the disaster declaration
These provisions apply retroactively to distributions made after Jan. 26, 2021.
Contribution-related updates
Mandatory Roth catch-up contributions
Employees age 50 and older with prior-year FICA wages over $145,000 (indexed for inflation) are required to make catch-up contributions on a Roth (after-tax) basis, in accordance with SECURE 2.0 rules.
Enhanced “super” catch-up contributions
Employees who are age 60–63 during the calendar year may contribute up to 150% of the standard catch-up amount or $10,000, whichever is greater.
Get started today!
Register for your Fidelity account at 401k.com.
Once you’re registered, you can make updates to your contribution rate, fund options, beneficiaries, and more. You can also call 800-835-5097 to speak to a live Fidelity representative.
Please note, you are required to designate your 401(k) beneficiaries with Fidelity.
Fidelity NetBenefits®
Fidelity NetBenefits is your one-stop portal for managing your workplace benefits. Through this secure online platform, you can:
- View and manage your 401(k) or other retirement savings accounts.
- Monitor and adjust your investment allocations.
- Access financial planning tools and educational resources.
- Access personalized financial guidance and planning resources.
To get started, visit 401k.com, or download the NetBenefits mobile app.
Fidelity Medicare Services®
Fidelity Medicare Services can help you understand and navigate your Medicare options. This no-cost resource provides personalized support and tools to help you make informed healthcare decisions as you approach or enter retirement. Services include:
- Information about Medicare Parts A, B, C, and D, as well as supplemental (Medigap) plans.
- Individual consultations with licensed Medicare specialists.
- Tools to compare coverage options and estimate costs.
- Guidance on enrollment timelines to help avoid late penalties.
- Support for coordinating Medicare with other retirement benefits.
- Educational materials to help you plan for healthcare in retirement.
See the Fidelity Medicare Services Fact Sheet for details. For more information, visit medicare.fidelity.com to learn more or access the online Learning Center.