New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

Understanding Risk Tolerance: A Guide for SBA Communications Employees Navigating Retirement Changes

Healthcare Provider Update: Healthcare Provider for SBA Communications SBA Communications likely partners with various health insurance providers for its employee health benefits. However, specific details on the designated healthcare provider may vary based on the employee's location and specific plan options offered by the company. Potential Healthcare Cost Increases for Employees in 2026 As we approach 2026, employees at SBA Communications should brace for significant healthcare cost increases driven by various market pressures. Health insurance premiums in the Affordable Care Act (ACA) marketplace are expected to surge, with some states projected to see hikes exceeding 60%. This increase is compounded by the potential expiration of enhanced federal subsidies, which, if not extended, could leave many individuals facing monthly premium increases of over 75%. With rising medical costs, especially in pharmaceuticals and hospital services, employees may find themselves responsible for a larger share of their health expenses unless proactive measures are taken to navigate these changes. Click here to learn more

The world of investing is very subjective--the investment plan that’s right for you depends largely upon the level of comfort that you have when it comes to risk. We'd like our clients from SBA Communications to remember that you can’t completely avoid risk when it comes to investing, but it's possible for you to manage it.

There are two aspects of risk tolerance for SBA Communications employees to consider: (1) the capacity of your investment plan itself to absorb losses, and (2) how comfortable you are personally with risk. The first aspect can be quantified--the more flexibility your investment plan has when it comes to potential loss, the more risk your plan can tolerate. For example, as we’ve discussed, a long investment time horizon may allow you to take on more risk than a short time horizon.

'You can’t completely avoid risk when it comes to investing, but it is possible for you to manage it..'

The second aspect, how comfortable you are personally with risk, is more of an emotional measure, and depends on many factors, including your objectives, life stage, personality, and investment experience. Some investors are comfortable with a high degree of risk, while others can tolerate only minimal risk. Individual risk tolerance is an important factor for SBA Communications employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.

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Investors are typically grouped into three categories for purposes of discussing risk tolerance: aggressive (those who have a high degree of risk tolerance); moderate (those willing to accept some degree of risk), and conservative (those who are risk averse).

What type of retirement savings plan does SBA Communications offer?

SBA Communications offers a 401(k) retirement savings plan to help employees save for their future.

Does SBA Communications match employee contributions to the 401(k) plan?

Yes, SBA Communications provides a matching contribution to employee 401(k) accounts, up to a certain percentage of their salary.

When can employees of SBA Communications enroll in the 401(k) plan?

Employees of SBA Communications can enroll in the 401(k) plan during the initial enrollment period upon hiring and during annual open enrollment periods.

Are there any eligibility requirements to participate in the SBA Communications 401(k) plan?

Yes, employees must meet specific eligibility criteria, such as a minimum period of service, to participate in the SBA Communications 401(k) plan.

What investment options are available within the SBA Communications 401(k) plan?

The SBA Communications 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

How can employees of SBA Communications change their contribution amounts to the 401(k) plan?

Employees can change their contribution amounts to the SBA Communications 401(k) plan by submitting a request through the company's benefits portal or contacting HR.

Can employees take loans against their 401(k) balance at SBA Communications?

Yes, SBA Communications allows employees to take loans against their 401(k) balance, subject to the plan's terms and conditions.

What happens to my 401(k) account if I leave SBA Communications?

If you leave SBA Communications, you can choose to roll over your 401(k) balance to another retirement account, cash it out, or leave it in the SBA Communications plan if eligible.

Does SBA Communications provide financial education resources for employees regarding the 401(k) plan?

Yes, SBA Communications offers financial education resources and workshops to help employees understand their 401(k) options and investment strategies.

Is there a vesting schedule for the employer match in the SBA Communications 401(k) plan?

Yes, there is a vesting schedule for the employer match in the SBA Communications 401(k) plan, which determines when you fully own the matched contributions.