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

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Xylem Employees: Discover the Rising Trend of 'Work for Pleasure' in Your Retirement Journey

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Healthcare Provider Update: Healthcare Provider for Xylem Xylem Inc. primarily relies on Accenture for its health and wellness programs, a strategic partnership aimed at enhancing employee benefits management. Healthcare Cost Increases in 2026 As 2026 approaches, Xylem employees may face significant increases in healthcare costs amid anticipated sharp hikes in ACA premiums. Reports indicate that some states could experience premium increases exceeding 60%, primarily driven by the expiration of enhanced federal subsidies and rising medical costs. Consequently, many employees could see their out-of-pocket expenses rise substantially, making it vital to evaluate health plans carefully and consider proactive financial strategies for managing these heightened costs. Adjustments in employer-sponsored plans may further shift more healthcare expenses onto employees, amplifying the need for strategic preparation. Click here to learn more

A recent Fidelity Investments poll illuminates new trends in the ever-changing retirement planning landscape.  Notably, 66% of respondents envision a phased-in approach to retirement, which deviates from the conventional full-stop strategy.  This choice shows a shift towards flexible retirement solutions across generations, as evidenced by the significant interest shown by both Gen Zers and millennials.

The wide-ranging implications of this trend point to the necessity of flexibility in retirement advice and planning when preparing to retire from Xylem. The departure from traditional retirement models highlights a more comprehensive reassessment of retirement goals and work-life balance, reflecting shifting perspectives toward the end of your Xylem career. Advisors who want to fulfill their Xylem clients' complex needs must have a thorough understanding of these preferences as retirement planning continues to change.


A growing number of retirees who desire social connection and intellectual stimulation in addition to financial security are adopting the idea of 'Work for Pleasure' in phased retirement, a viable option for Xylem employees.  According to an American Psychological Association study, continuing to work after retirement can enhance mental well-being, increase life satisfaction, and facilitate the transition to complete retirement. Retirement is now seen as a new chapter with opportunity for learning, growth, and contribution rather than as an end. This is especially true for seasoned professionals from high-ranking roles. 

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Retirement is becoming less and less like the unexpected curtain call at the end of a play and more like a well planned art display. Similar to how an exhibition progressively moves from one theme and era to another, providing visitors with an extensive array of experiences, the modern retirement trip, as defined by Fidelity Investments, takes place in stages. With this method, people can combine the elegant brushstrokes of their personal passions and hobbies with their professional creations. Today's retirees and soon-to-be retirees find joy and fulfillment in doing work that pleases them, much like an artist who paints for the love of art even after their formal career has concluded. This is creating a retirement experience that is as nuanced and fulfilling as a well-curated gallery.

What is Xylem's 401(k) plan?

Xylem's 401(k) plan is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out, helping them prepare for retirement.

How does Xylem match employee contributions to the 401(k) plan?

Xylem offers a matching contribution to employee 401(k) plans, typically matching a percentage of the employee's contributions up to a certain limit.

When can employees at Xylem enroll in the 401(k) plan?

Employees at Xylem can enroll in the 401(k) plan during their initial onboarding period or during the annual open enrollment period.

What investment options are available in Xylem's 401(k) plan?

Xylem's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can employees at Xylem take loans against their 401(k) savings?

Yes, employees at Xylem may have the option to take loans against their 401(k) savings, subject to the plan's specific terms and conditions.

What happens to my 401(k) if I leave Xylem?

If you leave Xylem, you have several options for your 401(k), including rolling it over to a new employer's plan, transferring it to an IRA, or cashing it out (though cashing out may incur taxes and penalties).

How can I access my 401(k) account information at Xylem?

Employees can access their 401(k) account information through the designated online portal provided by Xylem's 401(k) plan administrator.

Does Xylem offer financial education resources for 401(k) participants?

Yes, Xylem provides financial education resources, including workshops and online tools, to help employees make informed decisions about their 401(k) savings.

What is the vesting schedule for Xylem's 401(k) matching contributions?

The vesting schedule for Xylem's matching contributions typically requires employees to work for a certain number of years before they fully own the matched funds.

Are there any fees associated with Xylem's 401(k) plan?

Yes, there may be administrative fees and investment-related fees associated with Xylem's 401(k) plan, which are disclosed in the plan documents.

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For more information you can reach the plan administrator for Xylem at 301 Water St. SE Washington, DC 20003; or by calling them at 914-323-5700.

*Please see disclaimer for more information

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