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Why Sun Communities Employees Can Thrive in Retirement Without a Bucket List

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The first few years of retirement are frequently a time of transitions for many, including those leaving Sun Communities. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for Sun Communities employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at Sun Communities. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What type of retirement plan does Sun Communities offer to its employees?

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

Does Sun Communities match employee contributions to the 401(k) plan?

Yes, Sun Communities provides a matching contribution to the 401(k) plan, helping employees maximize their retirement savings.

What is the eligibility requirement for Sun Communities employees to participate in the 401(k) plan?

Employees of Sun Communities are eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first year of employment.

How can Sun Communities employees enroll in the 401(k) plan?

Sun Communities employees can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.

What investment options are available in the Sun Communities 401(k) plan?

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

Can Sun Communities employees change their contribution percentage to the 401(k) plan?

Yes, employees at Sun Communities can change their contribution percentage at any time, subject to certain restrictions.

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

Yes, Sun Communities has a vesting schedule for employer matching contributions, which means employees must work for a certain period to fully own those contributions.

What is the maximum contribution limit for the Sun Communities 401(k) plan?

The maximum contribution limit for the Sun Communities 401(k) plan follows the IRS guidelines, which are updated annually.

Are there any fees associated with the Sun Communities 401(k) plan?

Yes, like most 401(k) plans, the Sun Communities 401(k) plan may have administrative and investment fees, which are disclosed in the plan documents.

Can Sun Communities employees take loans against their 401(k) savings?

Yes, Sun Communities allows employees to take loans against their 401(k) savings, subject to the plan’s terms and conditions.

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