{"id":1542,"date":"2026-01-19T09:48:11","date_gmt":"2026-01-19T09:48:11","guid":{"rendered":"https:\/\/dev-benefits2024.pantheonsite.io\/us\/?page_id=1542"},"modified":"2026-04-03T18:26:43","modified_gmt":"2026-04-03T18:26:43","slug":"retirement-savings-plan-rsp","status":"publish","type":"page","link":"https:\/\/benefits.aecom.com\/us\/retirement-savings-plan-rsp\/","title":{"rendered":"Retirement &amp; Savings Plan (RSP)"},"content":{"rendered":"\n<div class=\"wp-block-columns sticky-sidebar-container is-layout-flex wp-container-core-columns-is-layout-cbe57604 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.667%\">\n<p>All full-time, part-time and temporary employees are immediately eligible for the RSP upon hire and will have an opportunity to enroll within one week of hire date. You may contribute up to 75% of eligible compensation (subject to IRS limitations). Contribution options include pre-tax, Roth 401(k) and after-tax, with an option for in-plan Roth conversions. Automatic enrollment at 1% occurs 45 days after your hire date.<\/p>\n\n\n\n<p>AECOM matches 50% of the first 6% of pre-tax or Roth 401(k) contributions. After-tax contributions are not matched. Matching contributions are credited each April for the prior calendar year, with 50% allocated to the AECOM Stock Fund and the remaining 50% per your investment elections. To be eligible for matching contributions, you must be an employee on the last day of the year, some exceptions apply. Your contributions are always vested. Matching contributions vest gradually over three years based on your eligible years of service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Current IRS Contribution Limits:<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \">$24,500 for employee Pre-Tax and Roth 401(k) contributions<\/li>\n\n\n\n<li class=\"  \">$8,000 for catch-up contributions for employees age 50 and older (during 2026)<\/li>\n\n\n\n<li class=\"  \">$11,250 for catch-up contributions for employees ages 60 to 63 as of December 31, 2026<\/li>\n\n\n\n<li class=\"  \">$150,000 Roth catch-up wage threshold<\/li>\n\n\n\n<li class=\"  \">$72,000 annual contribution limit (combined employee and employer contributions)<\/li>\n<\/ul>\n\n\n\n<p>Access Merrill\u2019s Benefits Online at <a href=\"https:\/\/www.benefits.ml.com\/login\/login\" data-type=\"link\" data-id=\"https:\/\/info.bankofamerica.com\/en\/merrill\/benefits-online\/how-to\/accessing-benefits-online\" target=\"_blank\" rel=\"noreferrer noopener\">benefits.ml.com<\/a> to enroll or make changes. If you are new to Benefits Online, <a href=\"https:\/\/info.bankofamerica.com\/en\/merrill\/benefits-online\/how-to\/accessing-benefits-online\">click here<\/a> on how to create an account. Please note your assigned number is your Workday ID.<\/p>\n\n\n\n<p><em>Collectively bargained employees, contract employees and employees working in Puerto Rico are not eligible for the RSP and may be eligible for a different plan.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column sticky-sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<section class=\"wp-block-cover quick-links\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-midnight-teal-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-e158748c wp-block-cover-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left\" style=\"font-size:24px\">Related Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"http:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/rsp\/rsp_highlights.pdf\" data-type=\"link\" data-id=\"http:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/rsp\/rsp_highlights.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">RSP Highlights<\/a><\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_contact\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-stone-gray-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><style>\n\t\t.vendor-directory-fields {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-name {\n\t\t\tmargin: 0 0 12px 0;\n\t\t\tfont-size: 1.5em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-description {\n\t\t\tmargin: 0 0 20px 0;\n\t\t\tfont-size: 1em;\n\t\t\tline-height: 1.6;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tdisplay: flex;\n\t\t\tgap: 20px;\n\t\t\tflex-wrap: wrap;\n\t\t\talign-items: stretch;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tflex: 1;\n\t\t\tmin-width: 140px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge {\n\t\t\tmargin: 0 !important;\n\t\t\tpadding: 0;\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge a,\n\t\t.vendor-directory-fields .vendor-app-badge-link {\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t\tmargin: 0;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge img,\n\t\t.vendor-directory-fields .vendor-app-badge-image {\n\t\t\twidth: 100% !important;\n\t\t\tmax-width: 100% !important;\n\t\t\theight: auto !important;\n\t\t\tdisplay: block;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields figure.vendor-app-badge {\n\t\t\twidth: 100%;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-label {\n\t\t\tmargin: 0 0 8px 0;\n\t\t\tfont-size: 1.25em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field {\n\t\t\tmargin-bottom: 12px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field strong {\n\t\t\tdisplay: block;\n\t\t\tmargin-bottom: 4px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-content {\n\t\t\tline-height: 1.5;\n\t\t}\n\t<\/style><div class=\"vendor-directory-fields\" data-vendor-id=\"625\" data-field-group=\"vendor_contact\"><div class=\"vendor-contact-content\"><div class=\"vendor-contact-fields\"><div class=\"vendor-contact-field vendor-contact-field--vendor_contact_info\"><h3 class=\"vendor-contact-field-label\">Contact<\/h3><div class=\"vendor-contact-field-content\"><p><span class=\"TextRun SCXW132727613 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW132727613 BCX0\">Merrill<\/span><\/span><span class=\"EOP SCXW132727613 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">U.S.<br \/>\n877.637.4226<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><\/p>\n<p>Outside U.S.<br \/>\n+1 609.818.8894<\/p>\n<p>To access your account, you&#8217;ll need your Merrill Benefits OnLine account user ID and password. If you don\u2019t have an account, register using your Workday ID.<br \/>\n<a href=\"https:\/\/www.benefits.ml.com\/login\/login\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Benefits OnLine | Login<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_app\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-100 has-background-dim\" style=\"background-color:#e3e3e3\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><div class=\"vendor-directory-fields\" data-vendor-id=\"1704\" data-field-group=\"vendor_app\"><h3 class=\"wp-block-heading vendor-app-name\">Benefits OnLine by Merrill<\/h3><div class=\"vendor-app-description\"><p><span class=\"TextRun SCXW131886902 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW131886902 BCX8\">Y<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW131886902 BCX8\">ou\u2019ll<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">\u00a0need your<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">account user ID and password. If you\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">don\u2019t<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">\u00a0have an account, register with your\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">Workday ID<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW131886902 BCX8\">\u00a0number.<\/span><\/span><span class=\"EOP CommentHighlightPipeRest SCXW131886902 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><div class=\"wp-block-columns vendor-app-links\"><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--appstore\"><a href=\"https:\/\/apps.apple.com\/us\/app\/benefits-online\/id1419745724\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/us\/wp-content\/uploads\/sites\/2\/2024\/08\/Download_on_the_App_Store_Badge-copy.webp\" alt=\"Download on the App Store\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--googleplay\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.ml.mobile.bol&#038;hl=en_US\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/us\/wp-content\/uploads\/sites\/2\/2024\/08\/Get_it_on_Google_Play-copy.webp\" alt=\"Get it on Google Play\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><\/div><\/div>\n<p class=\"  \"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>All full-time, part-time and temporary employees are immediately eligible for the RSP upon hire and will have an opportunity to enroll within one week of hire date. You may contribute up to 75% of eligible compensation (subject to IRS limitations). Contribution options include pre-tax, Roth 401(k) and after-tax, with an option for in-plan Roth conversions. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-blank-container.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1542","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/comments?post=1542"}],"version-history":[{"count":24,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1542\/revisions"}],"predecessor-version":[{"id":2526,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1542\/revisions\/2526"}],"wp:attachment":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/media?parent=1542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}