Save Today. Plan for Tomorrow.

Build a more secure financial future with the Baylor Scott & White Health Retirement Savings Plan through Empower. Whether you're just starting your career or preparing for retirement, the plan makes it easy to save through convenient payroll deductions and generous employer matching contributions.

Why participate?

  • Dollar-for-dollar match up to 5% of eligible pay
  • Contribute using pre-tax, Roth, or a combination of both
  • Start, stop, or change contributions at any time
  • Access planning tools and retirement income calculators
  • Receive personalized support from retirement professionals
  • Roll over eligible retirement savings from another plan
  • Make catch-up contributions if you're age 50 or older

Make the most of your benefit: Contribute at least 5% of eligible pay to receive the full BSW matching contribution.

Ready to get started?

  1. Register your account at BSWHRetirement.com.
  2. Choose your contribution amount. (If you’re age 50 or older, don’t forget to elect catch-up contributions.)
  3. Choose your investment options.
  4. Designate your beneficiary.

Note: Visit irs.gov for 2027 IRS limits and information about catch-up contributions.

Contributions and vesting

Contribute pre-tax, Roth (after-tax), or a combination of both to help reach your retirement goals. You can update your contribution rate and investment elections at any time. Employees age 50 or older may also be eligible to make catch-up contributions.

You're always 100% vested in your own contributions. BSW matching contributions become 100% vested after three years of service, and vested balances may be rolled over to another qualified retirement plan or IRA if you leave BSW.

Investment options

Individual funds

Build your own portfolio. Select from a variety of investment funds to create a strategy that aligns with your risk tolerance, timeline, and retirement goals.

Managed Account Program

Personalized portfolio management. Receive professional investment guidance through Morningstar's MyTotal Retirement program, which creates and manages a portfolio tailored to your goals and circumstances.

Self-directed brokerage account

Expanded investment choices. For experienced investors who want additional investment options through a Charles Schwab brokerage account*. Maintain a minimum $2,500 balance in the core investment lineup to participate.

*Transfer minimums apply. See the Notice of Investment Returns & Fee Comparison Notice in Empower under Account Overview > Plan Information > Disclosure Notices for details.

Target Date Funds

A simple, hands-off approach. Choose a fund based on your expected retirement year. The investment mix automatically adjusts over time to become more conservative as you approach retirement.

Take control of your financial future

The Financial Health Center, powered by Empower, gives you tools, guidance, and personalized resources to help you build a stronger financial foundation, reduce financial stress, and work toward your goals.

Resources include:

  • Personalized financial planning
  • Articles, webinars, and calculators
  • Budgeting and money management tools
  • No-cost guidance from financial professionals
Online at Empower.com
Call 1.833.301.9355
Susan McClanahan, Neonatal transport / outreach coordinator 35 years and countingSusan McClanahan, Neonatal transport / outreach coordinator 35 years and counting

Empower your financial journey

Whether you're just getting started or planning for retirement, Empower offers tools, guidance, and personalized support to help you make confident financial decisions every step of the way.

View the Empower Retirement Navigation Guide to help you make the most of your retirement benefits.

On-demand resources

Access helpful tools, educational resources, and account information anytime.

  • Manage your retirement account
  • View your retirement readiness
  • Connect outside accounts
  • Access financial education and planning tools

Go to BSWHretirement.com

Not sure where to start?

A quick conversation with the Empower Customer Care Center can help you find the right resources and support for your needs.

To get started call 844.722.BSWH (2794)

Monday through Friday between 7:00 AM and 9:00 PM CT, and Saturdays between 8:00 AM and 4:30 PM CT

Resources

Want to enroll or change your contribution?

Visit Empower(opens in new window)

Want to access your plan on the go?

Download the Empower app.

Get iOS app
Get Android app(opens in new window)

This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Please contact us if you have feedback on the website or need to report an issue.