UNT System ORP and TSA Retirement Program Changes Questions & Answers click to view
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1 click to view The Retirement Redesign 1. Why is UNT System redesigning the retirement plans? Who is impacted by the redesign? What was the decision making process? When will these changes take effect?... 2 Details and Benefits of the Redesign 5. What is a lead recordkeeping service provider and why was Fidelity selected? Who else was considered for the role of lead recordkeeping service provider? What improvements can employees expect? Will this change affect the contribution UNT makes or the current vesting rules? With whom can employees choose to invest with in the plan? What happens to my current account balance? What happens to my future contributions? Do I have to stay with the same company I am currently using? What are the benefits of target date funds? What are the benefits of passively managed funds? What are the benefits of actively managed funds? What are benefits of self directed brokerage account? What is not changing?...4 The New Fund Lineup 18. What can you tell me about the fund lineup? Is there anything I need to do? What if I do not like the new funds I am being mapped to? Will I have to pay any fees for the changes being made to the fund lineup?...5 Where to Go for More Information 22. What assistance will be available during the transition period? Will the Fidelity representatives have all of my account information? How can I get more information? Who can I contact at UNT with questions or concerns?
2 The Retirement Redesign 1. Why is UNT System redesigning the retirement plans? The UNT System Benefits Team is working to streamline investments to a core set of funds, reduce fees, and simplify the enrollment and administration of our Optional Retirement Program (ORP) and 403(b) Tax Sheltered Annuity (TSA). 2. Who is impacted by the redesign? All current and former employees in the ORP and/or TSA will be affected by the changes to the new investment option lineup. The upcoming changes do not affect employees enrolled in the Teacher Retirement System of Texas (TRS); however, you have the opportunity to enroll in and make additional voluntary pretax contributions to the TSA at any time. 3. What was the decision making process? The Board of Regents adopted new rules governing the ORP and TSA plan administration. A Retirement Plan Advisory Committee consisting of members from the system administration and each campus worked with CAPTRUST Financial Advisors to evaluate the current investment options and identify new opportunities with lower cost. Ultimately, the committee approved the new core investment lineup for our employees and retirees. 4. When will these changes take effect? September 2018: The new investment lineup and self directed brokerage option will be available. The existing investment options will continue to be available until January Unless you elect otherwise, your contributions will continue to be directed to your selected provider and investment option(s) until January January 2019: The investment options no longer available in the new investment lineup will be reallocated and redirected to the new investment lineup at each current investment service provider. This means both future contributions and balances will be transferred (or mapped ) to what CAPTRUST, the Plan s investment advisor, has determined to be comparable funds in the new investment lineup or the Target Date Fund, based on your age, if there is no comparable fund. Additional information about these changes, key dates, and actions to consider will be provided in the coming weeks. You may continue to contact your current investment service provider to manage your ORP or TSA account. 2
3 Details and Benefits of the Redesign 5. What is a lead recordkeeping service provider and why was Fidelity selected? Effective February 2019, Fidelity Investments ( Fidelity ) will become the lead service provider for recordkeeping, enrollment and changes to your contribution amount. Retirement Manager will no longer be the lead recordkeeping service provider. Fidelity was selected because of its resources, value proposition, experience and size. 6. Who else was considered for the role of lead recordkeeping service provider? UNT system partnered with CAPTRUST to evaluate each of the four existing investment service providers (Fidelity, TIAA, VALIC and Voya) to determine which offered the best services versus value. 7. What improvements can employees expect? A simplified menu of investment options Easier to access and understand the investment process Lower administrative fees for the majority of participants Support recruitment and retention of top talent by providing competitive retirement plans Additional investment resources and education to help you pursue financial security in retirement Improved plan administration services 8. Will this change affect the contribution UNT makes or the current vesting rules? No. The vesting rules for the ORP will not change. You are always fully vested in any contributions you make to the TSA. You can still defer up to the maximum amount of contributions allowed by the Internal Revenue Code on a pretax basis to the TSA. The IRS maximum amount allowed for 2018 is $18,500. Any employee age 50 or older is eligible for an additional catch up contribution of $6,000, which means your contribution can be up to $24,500 per calendar year. If you have more than 15 years of service and have not maximized contributions in the past, you may also be able to contribute an additional $3,000 per year using the 15 years catch up election. 9. With whom can employees choose to invest with in the plan? You will continue to choose your investment service provider to direct your ORP and TSA contributions. Fidelity Investments, TIAA, VALIC and Voya are approved investment service providers 10. What happens to my current account balance? Depending on which investments your balances are invested, your balances may be reallocated in January to a new investment option. Refer to your chosen investment service provider s fund changes notification to see how your balances may be reallocated to the new investment option. 11. What happens to my future contributions? Depending on which investments your future contributions are invested, your future contributions may be redirected to a new investment option on January 2, Refer to your chosen investment service provider s fund changes notification to see how your future contributions may be redirected to the new investment option. 12. Do I have to stay with the same investment service provider I am currently using? No, you can choose where to direct your future contributions or current investments in your account. 3
4 13. What are the benefits of target date funds? The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach the target date. The investment risk of each target date fund changes over time as the fund s asset allocation changes. The funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high yield, small cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after the funds target dates. 14. What are the benefits of passively managed funds? Passively managed funds (also called index funds) are designed to mirror a market index or benchmark. These funds generally have lower fees than funds that are actively managed, that is, funds that try to outperform or beat market returns, rather than just track them. Ultimately, index funds are designed to provide exposure to a broad selection of securities at a relatively low cost. While these funds typically perform very similarly to the index they track, you should be aware that index funds cannot be expected to meet or beat the index s performance. 15. What are the benefits of actively managed funds? Actively managed funds try to outperform comparable market indices or benchmarks. These funds are actively managed by a fund manager or team of managers who select the investments they think will deliver the best combination of risk and return. Actively managed funds often have higher fees than passively managed funds due to the level of involvement the fund manager has in maintaining the portfolio. These actively managed funds give you a greater degree of flexibility and the ability to rebalance and manage the portfolio over time and as your situation changes. The cost of actively managed funds may be higher than passive funds. 16. What are benefits of self directed brokerage account? A self directed brokerage account provides you with an opportunity to invest in a broad range of investment options beyond those offered in the core lineup. You should compare investments and share classes that are available in your Plan's lineup with those available through the self directed brokerage, and determine the available share class that is appropriate for your situation. The Plan fiduciary neither evaluates nor monitors the investments available through the self directed brokerage option. It is your responsibility to ensure the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance. Contact your selected investment service provider(s) for a fact sheet and commission schedule for applicable fees and risks. 17. What is not changing? Fidelity, TIAA, VALIC, and Voya will continue as the investment service providers for the ORP and TSA. The ORP and TSA design and rules of the plans all remain unchanged. Vesting, contributions, eligibility, base and matching employer contributions, loan guidelines, and distributions all remain the same at this time, and will only change if the State of Texas or the IRS makes a change. Your current payroll contribution amount and investment service provider(s) will remain the same unless you choose to make adjustments to either your contribution or investment service provider. Balances in the TIAA legacy options will not change. Beneficiary information currently on file will remain. However, you can designate a beneficiary by contacting your selected investment service provider(s). Outstanding loans will not be affected, and payments should continue to be made as scheduled. Outstanding loan repayments will be directed according to your investment elections in the new investment options. No changes will be made to the payment amount, payment date, or other terms of your loan. 4
5 The New Fund Lineup 18. What can you tell me about the new investment lineup? There will be several types of investment options within each investment service provider s investment lineup so you can easily create an investment mix to help you meet your retirement goals and investing style and needs. You do not need to choose from just one category; you may invest using any or all of the categories. Refer to the list of the investment options in the ORP & TSA Plan Overview Guide at netbenefits.com/unt. 19. Is there anything I need to do? No action is required. Any contributions and balances will be allowed only in the new investment lineup. If your contributions or balances are in an investment option that will no longer be part of the new investment lineup, they will be redirected to a new fund in the new investment lineup. You may review the mapping of investments as provided by your chosen investment service provider(s). The mapping outlines the fund no longer offered and to which new investment lineup your future contributions and balances will be directed. 20. What if I do not like the new funds I am being mapped to? UNTS has worked carefully to move the existing balances and future contributions to an investment option that it believes has the most similar investment objectives. However, if you do not want these changes to take place, you must contact your chosen investment service provider(s) and complete a change of investments. 21. Will I have to pay any fees for the changes being made to the fund lineup? There are no fees associated with the changes to the new investment lineup. Where to Go for More Information 22. What assistance will be available during the transition period? Employee information sessions will be available throughout the fall semester. For a schedule of the information sessions and additional information, please visit netbenefits.com/unt. We encourage you to pay special attention to the information provided in the coming months. 23. Will the Fidelity representatives have all of my account information? No, you will continue to manage your account directly with your chosen investment service provider. However, beginning in February 2019, you can make changes to your TSA contribution amount and chosen investment service provider through Fidelity at netbenefits.com/unt. 5
6 24. How can I get more information? The following resources will be available to help you prepare and understand the ORP and TSA changes: Investment service provider representatives will be on campus to offer help and provide advice on investing. You can also get help and advice on investing over the phone by calling your investment service provider(s). Various s and printed materials will be sent to provide additional details. Call Fidelity , Monday through Friday, 7 a.m. to 11 p.m. (CT) TIAA , weekdays, 7 a.m. to 9 p.m. or Saturdays, 8 a.m. to 5 p.m. (CT) VALIC , Monday through Friday, between 7 a.m. and 8 p.m. (CT) Voya , Monday through Friday, 7:30 a.m. to 4 p.m. (CT) Click Fidelity netbenefits.com/unt TIAA TIAA.org/unt VALIC VALIC.com Voya VoyaRetirementPlans.com Meet Schedule an appointment Fidelity or visit netbenefits.com/unt and click the Contact Us tab, then Meet. TIAA or visit TIAA.org/schedulenow VALIC Voya or visit VoyaRetirementPlans.com 25. Who can I contact at UNT with questions or concerns? If you have any questions or concerns, please reach out to the UNT System HR Benefits team at HRBenefits@untsystem.edu. Investing involves risk, including risk of loss. This document provides only a summary of the main features of the UNT System ORP and TSA, and the Plan Document will govern in the event of discrepancies. VALIC, Voya, TIAA, CAPTRUST and Fidelity Investments are independent entities and are not legally affiliated. The third party trademarks and service marks appearing herein are the property of their respective owners. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved
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