401(k) Savings Plan. Get on track. Stay on track. Five Easy Steps... Step One: Get to know the Plan. Step Two: Enroll in the Plan

Size: px
Start display at page:

Download "401(k) Savings Plan. Get on track. Stay on track. Five Easy Steps... Step One: Get to know the Plan. Step Two: Enroll in the Plan"

Transcription

1 Your Guide to Retirement Success 401(k) Savings Plan Get on track. Stay on track. Five Easy Steps... Step One: Get to know the Plan Step Two: Enroll in the Plan Step Three: Decide how to contribute Step Four: Decide how much to contribute Step Five: Select your investments

2 To help you prepare for life after work, Paradies Lagardère has taken the first step toward helping you save for retirement by offering you the 401(k) Savings Plan. Step One: Get to know the Plan Your Contributions The plan allows you to save for retirement by contributing a portion of your pay check, on a pre and/or Roth(post-tax) basis, up to the legal limit, into an account set up especially for you. Additionally, you can rollover eligible savings from a previous employer into your 401(k) account. Company Contributions Paradies Lagardère provides a discretionary employer matching contributions equal to 50% of your contributions up to a maximum of 6% of your pay. This match is deposited into your 401(k) account each pay period along with your contributions. The 401(k) plan also permits the Company to make a discretionary profit sharing contribution. Vesting Schedule Vesting means you own the contributions and any earnings associated with those contributions. You are always 100% vested in your own contributions made to your 401(k) account, as well as any earnings on them. Employer matching contributions as well as Employer profit sharing contributions, if any, will vest according to the following schedule: Years of Service % Vested 1 25% 2 50% 3 100% Investment Flexibility Participants have the option to self-direct contributions into a range of diversified investment options or default to a pre-determined Target Date fund based on current age and anticipated year of retirement. Loans Although your 401(k) plan account is intended for the future, you may borrow from your account. Withdrawals Withdrawals from the Plan are generally not permitted unless you attain age 59½, terminate your employment, retire, become permanently disabled, or have severe financial hardship as defined by the Plan. 2

3 Step Two: Enroll in the Plan From your original date of hire, you are eligible to participate in the 401(k) plan when you have completed 90 days of service. Your entry date will be the first of the month following that date. You can enroll in the 401(k) plan two ways: Online at Enrollment form (see page 7) Online Enrollment If you are enrolling for the first time, your initial login information is as follows: Default username: Social Security Number (no dashes) Default password: Date of Birth (MMDDYY) Upon initial login, you will be asked to create a new username and password for security purposes. Designate your beneficiary It is important to choose a beneficiary for your 401(k) Plan and keep this information up to date. It will ensure that your retirement account is passed on according to your wishes. Remember to complete the Beneficiary Form. This can be done online or by completing the enrollment form located at the end of this guide. For more information about your retirement savings in the 401(k) Savings Plan, contact the Retirement Focus Service Center: Representative are available speak with you Monday Friday, 8:00 a.m. 8:00 p.m. Eastern Time at: Visit the plan s Web site at 3

4 Step Three: Decide how to contribute Pre-tax and/or Roth Contributions The IRS allows you to contribute up to $18,000 of eligible pay in 2017 on a pre-tax or Roth (post-tax) basis. Pre-Tax Contributions Allows for a reduction in taxable income by the amount you contribute on a pretax basis. Contributions and earnings are taxed at time of distributions. Roth Contributions - A Roth contribution to your 401(k) plan account allows you to make after-tax contributions and take any associated earnings completely tax-free at retirement, as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 401(k) contribution and after you have attained age 59½, or become disabled, or upon death. Catch-up Contributions If you reach the plan s annual contribution limit and are age 50 or older during the calendar year, you can make additional Pre-tax or Roth catch-up contributions up to the IRS limit. The limit in 2017 is $6,000. Employer Matching Contributions This is the best part. If you participate in the 401(k) Savings Plan, the Company currently matches $0.50 for every dollar you contribute up to a maximum of 6% of your pay. This match is deposited into your 401(k) account each pay period along with your contributions. Here s an example: 401(k) Plan My bi-weekly pay $692 My contribution of 6% of pay $42 Paradies Lagardere match $21 4

5 Step Four: Decide how much to contribute To take full advantage of the Company match, a contribution of 6% is recommended. However, you may contribute a minimum of 1% of your pay, and even a small amount can grow significantly over time. Get started today Your decision to start now could help you accumulate more at retirement. And look at the difference you can make in your total potential account value by putting away just a few dollars more of your pay. Monthly contributions from your salary $50 $100 Potential account value in 10 years $8,289 $16,579 Potential account value in 25 years $37,949 $75,898 Why should you get started now? Time is on your side and every day is an opportunity to save for your retirement. Putting off saving now may cost you down the road. Take James and Fiona for example. Both began their careers at 21 at the same time. James starts contributing to the 401(k) Plan immediately. Fiona waits until she is 40 to start contributing. Note: Even though James stops contributing after 15 years, because he started earlier in his career he accumulates more savings for retirement. James Fiona Annual income (2% avg. annual increase) Age START contributing Age STOP contributing Total years of contributions Contributions per year Average annual investment return Total contributions Account Value at Age 65* $18,000 $18, % of pay 8% of pay 7% 7% $24,902 $67,193 $337,138 $184,997 This hypothetical illustration is based on the following assumptions: You will remain employed and contribute at the indicated rates throughout the periods shown. The indicated contribution rate remains constant throughout the periods shown. Your account increases at the hypothetical annual rate of return of 7% compounded annually. You make neither withdrawals nor loans. All earnings are reinvested. Cost of living increases using a hypothetical inflation rate of 3% annually 5

6 Step Five: Select your investments The Plan offers you a range of options to help you meet your investment goals. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. Complete descriptions of the Plan s investment options and their performance are available online at Do-it-yourself - you can make your own investment decisions and build your own portfolio. Choose from multiple fund options across a broad array of categories. Less Risk Conservative Stable Value Moderately Aggressive Bond Moderately Conservative Domestic Equity Aggressive International Very Aggressive Specialty More Risk Do-it-for-me - you can have it done for you. You can have your investment decision made for you by selecting one of the Vanguard Target Retirement Funds Investor Shares. These funds are also the default funds if you have not made a specific investment election for your 401(k) account. The Vanguard Target Retirement Funds Investor Shares 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 Vanguard Target Retirement Fund Investor Shares changes over time as the fund's asset allocation changes. Use the table below to determine which Vanguard Target Retirement Fund Investor Shares is appropriate for you. DATE OF BIRTH FUND NAME TARGET RETIREMENT DATE On or before December 31, 1947 Vanguard Target Retirement Income Fund Investor Shares Before 2013 January 1, 1948 December 31, 1952 Vanguard Target Retirement 2015 Fund Investor Shares January 1, 1953 December 31, 1957 Vanguard Target Retirement 2020 Fund Investor Shares January 1, 1958 December 31, 1962 Vanguard Target Retirement 2025 Fund Investor Shares January 1, 1963 December 31, 1967 Vanguard Target Retirement 2030 Fund Investor Shares January 1, 1968 December 31, 1972 Vanguard Target Retirement 2035 Fund Investor Shares January 1, 1973 December 31, 1977 Vanguard Target Retirement 2040 Fund Investor Shares January 1, 1978 December 31, 1982 Vanguard Target Retirement 2045 Fund Investor Shares January 1, 1983 December 31, 1987 Vanguard Target Retirement 2050 Fund Investor Shares January 1, 1988 December 31, 1992 Vanguard Target Retirement 2055 Fund Investor Shares January 1, 1993 or later Vanguard Target Retirement 2060 Fund Investor Shares 2058 and later Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund before investing. For a prospectus, a summary prospectus if available, or an offering statement containing this and other information about any fund, please visit Please read the prospectus or offering statement carefully before investing. 6

7 7

8 8

Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights

Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights The Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan (the Plan or SMP 401(k) Plan

More information

Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan. Plan Highlights 2

Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan. Plan Highlights 2 Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights The Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan (the Plan or SMP 401(k) Plan

More information

Working for Your Future

Working for Your Future Working for Your Future Valero Energy Corporation Thrift Plan Highlights Enroll Today Congratulations! You are now eligible to participate in the Valero Energy Corporation Thrift Plan (the Thrift Plan

More information

TO FOCUS ON RETIREMENT

TO FOCUS ON RETIREMENT The Right Time TO FOCUS ON RETIREMENT Equian LLC Retirement Savings Plan Enrollment Overview REVERSED HEADLINE PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA

More information

Enrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life

Enrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life Prepare for the next chapter in life The Difference is How You re Treated More information available at www.sehealthretirement.com Enrollment Overview for SoutheastHEALTH Retirement Plan Products and financial

More information

PARTICIPATION IN THE Lucent Technologies Inc. Long Term Savings and Security Plan

PARTICIPATION IN THE Lucent Technologies Inc. Long Term Savings and Security Plan PARTICIPATION IN THE Lucent Technologies Inc. Long Term Savings and Security Plan Participation in the Lucent Technologies Inc. Long Term Savings and Security Plan (the Plan ) can help you reach your financial

More information

LOCKE LORD LLP RETIREMENT SAVINGS PLAN

LOCKE LORD LLP RETIREMENT SAVINGS PLAN LOCKE LORD LLP RETIREMENT SAVINGS PLAN Simplify retirement planning. Table Of Contents Overview Of The Plan 2 Contributions To The Plan 3 Overview Of Investments 4 How To Get Money From The Plan 5 Qualified

More information

Check in to. your future. Enrollment Overview Crestline Hotels & Resorts, LLC Retirement and Savings Plan

Check in to. your future. Enrollment Overview Crestline Hotels & Resorts, LLC Retirement and Savings Plan Check in to your future Enrollment Overview Crestline Hotels & Resorts, LLC Retirement and Savings Plan Check in to your future! You spend your time every day caring for our guests. But are you taking

More information

Once you are logged on to YBR, you will see a Start Saving message. Click on this message and you will have two ways to enroll:

Once you are logged on to YBR, you will see a Start Saving message. Click on this message and you will have two ways to enroll: PARTICIPATION IN THE Nokia Savings/401(k) Plan with Management Plan Design Participation in the Nokia Savings/401(k) Plan (the Plan ) can help you reach your financial goals for retirement. Read this overview

More information

JJF Management Services Inc. 401(k) Plan

JJF Management Services Inc. 401(k) Plan Enrollment overview JJF Management Services Inc. 401(k) Plan We all have hopes and dreams for the future. Planning your route to retirement takes preparation. In order to determine how much to contribute

More information

Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan - Hourly (099103)

Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan - Hourly (099103) Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan - Hourly (099103) ! Don t come up short When it comes to your retirement savings, you

More information

TAKE CHARGE OF YOUR FUTURE

TAKE CHARGE OF YOUR FUTURE TAKE CHARGE OF YOUR FUTURE LOYOLA HIGH SCHOOL OF LOS ANGELES 403(b) PLAN ENROLLMENT OVERVIEW 4Steps to retirement preparation Reaching your retirement goals can take a lot of preparation. As a general

More information

Cigna 401(k) Plan Highlights. Together, all the way.

Cigna 401(k) Plan Highlights. Together, all the way. Cigna 401(k) Plan Highlights SM Together, all the way. Table of Contents Enrollment... 3 Your plan contributions... 3 Company matching contributions... 3 Vesting (your ownership) of company matching contributions...

More information

Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103)

Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103) Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103) ! Don t come up short When it comes to your retirement savings, you don t want

More information

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment

More information

smart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General

smart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Plan Overview Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General save for the future

More information

Get the Most From Your 401(k) Plan

Get the Most From Your 401(k) Plan 401(k) Guide Get the Most From Your 401(k) Plan The Larry H. Miller Associates Retirement Plan and Trust (the Plan ) is a great benefit offered by your company. It s an excellent way to prepare for your

More information

Looking forward to new horizons. enrollment guide SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN

Looking forward to new horizons. enrollment guide SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN Looking forward to new horizons. enrollment guide As a state or local government employee, you may be eligible to participate in the Oregon Savings Growth Plan (OSGP), a voluntary retirement plan.* Your

More information

Your Guide to Getting Started

Your Guide to Getting Started USC Hospital 401(k) Retirement Plan for the employees of USC Verdugo Hills Hospital, part of the Keck Medical Center of USC Invest in your retirement and yourself today, with help from USC Hospital 401(k)

More information

Wells Fargo & Company 401(k) Plan

Wells Fargo & Company 401(k) Plan Frequently asked questions Wells Fargo & Company 401(k) Plan Below are answers to frequently asked questions about the Wells Fargo & Company 401(k) Plan ( 401(k) Plan ). These responses are meant to provide

More information

Your Columbia University Retirement Savings Program

Your Columbia University Retirement Savings Program Your Columbia University Retirement Savings Program For Non-Union Support Staff, Employees Represented by Local 2110, Local 100, TWU at Lamont and Supporting Staff Association (SSA) of Columbia University

More information

Enroll today. Enjoy tomorrow. University System of Georgia Benefits 403(b) and 457(b) Retirement Plans SAVING : INVESTING : PLANNING

Enroll today. Enjoy tomorrow. University System of Georgia Benefits 403(b) and 457(b) Retirement Plans SAVING : INVESTING : PLANNING Enroll today. Enjoy tomorrow. University System of Georgia Benefits 403(b) and 457(b) Retirement Plans SAVING : INVESTING : PLANNING 2 It s your future. Make it the one you envision. As an employee of

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Virginia Mason Medical Center 401(a) Retirement Plan and VMMC 403(b) Retirement Savings Plan Pursue your retirement goals today, with help from the Virginia Mason Medical Center 401(a) Retirement Plan

More information

that have been registered under the Securities Act of 1933.

that have been registered under the Securities Act of 1933. Benefits Flexibility Choices Competitive Coverage Protection Health Care Retirement Work/Life Benefits Flexibility Choices Competitive Coverage Protection Health Care Retirement Work/Life Benefits Flexibility

More information

A great way to save for your future

A great way to save for your future J.M. Huber Corporation 401(k) Savings Plan A great way to save for your future Plan Highlights A: The answer is b) 36.5%. That means you ll have to save money on top of Social Security to fund your retirement.

More information

Summary Plan Description. General Mills 401(k) Plan. 401(k) + Pension Program. October 2017 H

Summary Plan Description. General Mills 401(k) Plan. 401(k) + Pension Program. October 2017 H Summary Plan Description General Mills 401(k) Plan 401(k) + Pension Program October 2017 H000199499 TABLE OF CONTENTS Page 4 Page 5 Page 8 Page 12 Page 16 Page 27 Page 29 INTRODUCTION ELIGIBILITY and ENROLLMENT

More information

Your Guide to the Boston University Retirement Savings Program. Boston University Guide to Retirement Program 1

Your Guide to the Boston University Retirement Savings Program. Boston University Guide to Retirement Program 1 Your Guide to the Boston University Retirement Savings Program Boston University Guide to Retirement Program 1 What s Inside What s New... 3 Take a Fresh Look at Your BU Retirement Benefits Investing in

More information

Dynegy 401(k) Plan. Summary Plan Description For the Plan as Amended January 1, 2014

Dynegy 401(k) Plan. Summary Plan Description For the Plan as Amended January 1, 2014 Dynegy 401(k) Plan Summary Plan Description For the Plan as Amended January 1, 2014 This Summary Plan Description highlights the key features of the Dynegy 401(k) Plan (Plan). Complete details of the Plan

More information

Enrollment Overview. Heart of CarDon LLC 401(k) Plan

Enrollment Overview. Heart of CarDon LLC 401(k) Plan Enrollment Overview Heart of CarDon LLC 401(k) Plan RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY MCCREADY AND KEENE, INC., A ONEAMERICA COMPANY Family caring for Family As an employee

More information

4 5 7 P L A N H I G H L I G H T S

4 5 7 P L A N H I G H L I G H T S 457 PLAN HIGHLIGHTS Austin Deferred Compensation Plan The City of Austin Deferred Compensation Plan (the Plan ) is a voluntary retirement benefit plan that allows you to save and invest money toward a

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Albert Einstein College of Medicine, Inc. 403(b) Retirement Income Plan Invest in your retirement and yourself today, with help from the Einstein Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED

More information

Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice

Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice This Automatic Enrollment, Safe Harbor and Qualified Default

More information

Highlights of the Amgen Retirement and Savings Plan

Highlights of the Amgen Retirement and Savings Plan Highlights of the Amgen Retirement and Savings Plan The Amgen Retirement and Savings Plan (the Plan ) the company s 401(k) plan is designed to help you pursue a financially secure future. You are eligible

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED The Varian Medical Systems, Inc. Retirement Plan Invest in your retirement and yourself today, with help from the Varian Medical Systems, Inc. Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED

More information

Start saving for your future. When you enroll in your plan, you can choose the investments that are right for you.

Start saving for your future. When you enroll in your plan, you can choose the investments that are right for you. Start saving for your future When you enroll in your plan, you can choose the investments that are right for you. Three great reasons to join your retirement plan Do your future self a favor and join The

More information

THREE SIMPLE STEPS TO ENROLL

THREE SIMPLE STEPS TO ENROLL University of Minnesota Retirement Plans Complete the application Match the results Complete the quiz Retirement for U THREE SIMPLE STEPS TO ENROLL Need help? A Securian Plan Specialist can provide information

More information

CARING FOR TOMORROW BEGINS TODAY

CARING FOR TOMORROW BEGINS TODAY CARING FOR TOMORROW BEGINS TODAY ENROLLMENT OVERVIEW FOR CRAWFORD MEMORIAL HOSPITAL RETIREMENT PLAN TO PROVIDE CARE FOR YOUR TOMORROW, YOU CAN BEGIN TODAY. What do you see yourself doing when you retire?

More information

Noblis Retirement Program. Summary Plan Description

Noblis Retirement Program. Summary Plan Description Noblis Retirement Program Summary Plan Description 2018 Noblis, Inc January 2018 Information was provided by Noblis, Inc. Fidelity Investments is not responsible for its content. Table Of Contents SECTION

More information

YOUR 401(k) PLAN RETIREMENT PLAN WELL. ENJOY THE RIDE. YOUR GUIDE FOR THE. 401(k ) STOCK PURCHASE PLAN.

YOUR 401(k) PLAN RETIREMENT PLAN WELL. ENJOY THE RIDE. YOUR GUIDE FOR THE. 401(k ) STOCK PURCHASE PLAN. YOUR 401(k) PLAN RETIREMENT PLAN WELL. ENJOY THE RIDE. YOUR GUIDE FOR THE 401(k ) STOCK PURCHASE PLAN. Congratulations! You are now eligible to participate in the 401(k) Stock Purchase Plan for Employees

More information

401(k) RETIREMENT SAVINGS PLAN

401(k) RETIREMENT SAVINGS PLAN CHI 401(k) RETIREMENT SAVINGS PLAN Helping You Build Financial Security for Retirement CHI Healthy SPIRIT Physical and financial health and wellness SM Invest some of what you earn today for what you plan

More information

The Archdiocese of New Orleans 401(k) Plan. A great way to save for your future

The Archdiocese of New Orleans 401(k) Plan. A great way to save for your future The Archdiocese of New Orleans 401(k) Plan A great way to save for your future A: The answer is b) 33%. That means you ll have to save money on top of Social Security to fund your retirement. Welcome to

More information

Living today while planning for tomorrow. UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS

Living today while planning for tomorrow. UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS Living today while planning for tomorrow 2018 UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS WHAT S INSIDE Why Save Now?...3 Steps To Getting Started STEP 1: Decide How Much To Save...4 STEP

More information

Plan Highlights. Universal Health Services, Inc. Supplemental Deferred Compensation Plan. For Amounts Deferred on or After January 1, 2009 Only*

Plan Highlights. Universal Health Services, Inc. Supplemental Deferred Compensation Plan. For Amounts Deferred on or After January 1, 2009 Only* Universal Health Services, Inc. Supplemental Deferred Compensation Plan Plan Highlights For Amounts Deferred on or After January 1, 2009 Only* *For amounts deferred before January 1, 2009, the terms of

More information

Your DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE

Your DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE Your DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE Invest some of what you earn today for what you plan to accomplish tomorrow. Dear DePaul University 403(b) Retirement Plan employee: It s

More information

PHILLIPS 66 SAVINGS PLAN

PHILLIPS 66 SAVINGS PLAN PHILLIPS 66 SAVINGS PLAN This is the summary plan description ( SPD ) for the Phillips 66 Savings Plan ( plan ), and provides an overview of certain terms and conditions of the plan. The SPD is written

More information

great minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide

great minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide great minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Vanderbilt University and Medical

More information

Maryland Teachers and State Employees Supplemental Retirement Plans. The Basics. 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b)

Maryland Teachers and State Employees Supplemental Retirement Plans. The Basics. 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b) Maryland Teachers and State Employees Supplemental Retirement Plans The Basics 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b) Maryland Teachers and State Employees Supplemental Retirement Plans Getting started

More information

Retirement only seems far off. Start planning for your future today. MassMutual Pension and Thrift Plans

Retirement only seems far off. Start planning for your future today. MassMutual Pension and Thrift Plans Retirement only seems far off. Start planning for your future today. MassMutual Pension and Thrift Plans Enroll Welcome to MassMutual! Retirement only seems far off. Start planning for your future today

More information

Your Columbia University Retirement Savings Program

Your Columbia University Retirement Savings Program Your Columbia University Retirement Savings Program For Faculty and other Officers first hired before July 1, 2013 Revised May 2014 There s No Time Like the Present to Plan for the Future Whether you are

More information

SERVING A STRONG FUTURE

SERVING A STRONG FUTURE ENROLLMENT OVERVIEW SERVING A STRONG FUTURE HPOU 457 DEFERRED COMPENSATION PLAN PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY PREPARE FOR YOUR

More information

Feed Future. your. Enrollment Overview. Jerry s Enterprises, Inc. Employees 401(k) Plan

Feed Future. your. Enrollment Overview. Jerry s Enterprises, Inc. Employees 401(k) Plan Feed Future your Enrollment Overview Jerry s Enterprises, Inc. Employees 401(k) Plan RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY MCCREADY AND KEENE INC., A ONEAMERICA COMPANY

More information

Leidos, Inc. Retirement Plan Summary Plan Description January 1, 2018

Leidos, Inc. Retirement Plan Summary Plan Description January 1, 2018 Leidos, Inc. Retirement Plan Summary Plan Description January 1, 2018 This summary applies to non-represented participate in the Plan. employees eligible to If you are a bargained employee, please refer

More information

Retirement Savings Plan 401(k)

Retirement Savings Plan 401(k) Retirement Savings Plan 401(k) Retirement Savings Plan 401(k) Advocate Health Care Network offers the Advocate Health Care Network Retirement Savings Plan 401(k) ( 401(k) Plan or Plan ) as part of its

More information

My retirement, March 18 April 15, Explore Compare Choose. Retirement Choice Decision Guide For Johns Hopkins University Support Staff

My retirement, March 18 April 15, Explore Compare Choose. Retirement Choice Decision Guide For Johns Hopkins University Support Staff My retirement, Retirement Choice Decision Guide For Johns Hopkins University Support Staff March 18 April 15, 2011 Explore Compare Choose You need to make an important decision regarding your retirement

More information

Are you prepared to reach your retirement goals?

Are you prepared to reach your retirement goals? 401(K) RETIREMENT PLAN Are you prepared to reach your retirement goals? Retirement solutions packaged for you. Enrollment Overview 2 Tricorbraun 401(k) Retirement Plan Prepare for your future Reaching

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED CentraCare Health 403(b) Retirement Plan Invest in your retirement and yourself today, with help from the CentraCare Health 403(b) Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

Enrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN

Enrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN Enrollment Guide Future Savings Time to Focus on a Healthy RETIREMENT YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Employee:

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED University of Colorado Hospital Authority 401(a) Investment Account, 403(b) Matching Account, and the 457(b) Deferred Compensation Plan Invest in your retirement and yourself today, with help from the

More information

UNDERSTANDING THE SMU 403(b) RETIREMENT PLAN

UNDERSTANDING THE SMU 403(b) RETIREMENT PLAN UNDERSTANDING THE SMU 403(b) RETIREMENT PLAN 2018 The SMU 403(b) Retirement Plan is a valuable employee benefit and one of the most powerful ways to build your retirement savings. The plan is designed

More information

GET Your Retirement Up and Running

GET Your Retirement Up and Running GET Your Retirement Up and Running Your guide to the Houston Methodist Retirement Savings Plans Table of Contents Retirement Savings Plans 2 Frequently asked questions about your plans 3 Determine investments

More information

Getting Started: Your UM Voluntary Retirement Plans 1/23/2018

Getting Started: Your UM Voluntary Retirement Plans 1/23/2018 Getting Started: Your UM Voluntary Retirement Plans 1/23/2018 Getting Started: University Of Missouri Voluntary Retirement Plans Take advantage of great savings and investment opportunities available for

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Engility Master Savings Plan Invest in your retirement and yourself today, with help from Engility Master Savings Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for

More information

Your Plan Features Guide

Your Plan Features Guide Move your future forward with your workplace savings plan egain Corporation 401(k) Your Plan Features Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Take a look and

More information

Earning for Today and Saving for Tomorrow. Retirement Savings Plan 401(k) inspiring possibilities

Earning for Today and Saving for Tomorrow. Retirement Savings Plan 401(k) inspiring possibilities Earning for Today and Saving for Tomorrow Retirement Savings Plan 401(k) inspiring possibilities Retirement Savings Plan 401(k) Advocate Health Care Network offers the Advocate Health Care Network Retirement

More information

Halliburton Retirement & Savings Plan

Halliburton Retirement & Savings Plan Choose your BENEFITS in our Halliburton Retirement & Savings Plan Summary Plan Description Effective The Halliburton Retirement and Savings Plan (the Plan ) is a defined contribution plan sponsored by

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Mohawk Industries Retirement Savings Plan 1 or Plan 2 Invest in your retirement and yourself today, with help from Mohawk Industries Retirement Savings Plan 1 or Plan 2 and Fidelity. YOUR GUIDE TO GETTING

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Savings Plus Plan, Lam Research 401(k) Invest in your retirement and yourself today, with help from Lam Research and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what

More information

Your guide to the Houston Methodist Retirement Savings Plans

Your guide to the Houston Methodist Retirement Savings Plans Your guide to the Houston Methodist Retirement Savings Plans Table of Contents Retirement Savings Plans 2 Frequently asked questions about your plans 3 Step 1 Determine investments that are right for you

More information

Santé Operations LLC 401(k) Profit Sharing Plan and Trust Summary Guide September 30, Tim Wood, Principal David Foster, CFP, Principal

Santé Operations LLC 401(k) Profit Sharing Plan and Trust Summary Guide September 30, Tim Wood, Principal David Foster, CFP, Principal Santé Operations LLC 401(k) Profit Sharing Plan and Trust Summary Guide September 30, 2018 Tim Wood, Principal David Foster, CFP, Principal Foster Wealth, Inc. is a Registered Investment Advisor Welcome

More information

Your Opportunity to Enroll in the Laboratory Corporation of America Holdings Deferred Compensation Plan for 2017

Your Opportunity to Enroll in the Laboratory Corporation of America Holdings Deferred Compensation Plan for 2017 Your Opportunity to Enroll in the Laboratory Corporation of America Holdings Deferred Compensation Plan for 2017 As part of LabCorp s comprehensive compensation and benefit programs, we are pleased to

More information

FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017

FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017 FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017 TABLE OF CONTENTS INTRODUCTION: THE FINRA SAVINGS PLUS PLAN... 1 This Booklet is Only a Summary... 1 Administrative Information... 1 Not a Contract

More information

THE GUARDIAN FOUNDATION 401(k) Plan Highlights

THE GUARDIAN FOUNDATION 401(k) Plan Highlights THE GUARDIAN FOUNDATION 401(k) Plan Highlights Building a Positive Future Day by Day Your financial health and well-being are important to The Guardian Foundation. That s why we offer you The Guardian

More information

employee savings investment plan (ESIP) summary plan description effective january 1, 2017 human energy. yours. TM

employee savings investment plan (ESIP) summary plan description effective january 1, 2017 human energy. yours. TM employee savings investment plan (ESIP) summary plan description effective january 1, 2017 human energy. yours. TM This summary plan description (SPD) describes the Chevron ( the plan or the ESIP ). It

More information

CHI. 457(b) PLAN. Helping You Build Financial Security for Retirement

CHI. 457(b) PLAN. Helping You Build Financial Security for Retirement CHI 457(b) PLAN Helping You Build Financial Security for Retirement Invest some of what you earn today for what you plan to accomplish tomorrow. Welcome to the Catholic Health Initiatives 457(b) Plan!

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you

More information

smart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General

smart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Plan Overview Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General save for the future

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you

More information

employee savings investment plan (ESIP) summary plan description effective january 1, 2018 human energy. yours. TM

employee savings investment plan (ESIP) summary plan description effective january 1, 2018 human energy. yours. TM employee savings investment plan (ESIP) summary plan description effective january 1, 2018 human energy. yours. TM This summary plan description (SPD) describes the Chevron Employee Savings Investment

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you

More information

Your Guide to Getting Started

Your Guide to Getting Started The Piedmont Healthcare, Inc. 401(k) TomorrowPlan Invest in your retirement and yourself today, with help from the Piedmont Healthcare Inc. 401(k) Tomorrowplan and Fidelity. Your Guide to Getting Started

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Rady Children's Hospital San Diego 403(b) Plan Invest in your retirement and yourself today, with help from the Rady Children's Hospital 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

2018 CHS Retirement Plans Summary

2018 CHS Retirement Plans Summary YOUR CHS RETIREMENT PLANS 401(k) RETIREMENT SAVINGS PLAN: Allows teammates to save and invest a portion of their paycheck on a pretax or Roth after-tax basis. Federal and state income taxes on pretax savings,

More information

401(k) Plan Highlights

401(k) Plan Highlights 401(k) Plan Highlights RETIREMENT & BENEFIT PLAN SERVICES HomeServices Retirement Savings Plan Congratulations! You are eligible to join the HomeServices Retirement Savings Plan (the Plan ). The Plan offers

More information

401(k) ANNUAL UPDATE. What s Inside. Need to Enroll in the 401(k)?

401(k) ANNUAL UPDATE. What s Inside. Need to Enroll in the 401(k)? Engility MASTER SAVINGS PLAN 401(k) ANNUAL UPDATE Timely information to Help You take control of your future What s Inside How to enroll 2016 Contribution Limits Make Sure Your 401(k) Account Is On Track

More information

LABOR UNIONS 401(k) PLAN

LABOR UNIONS 401(k) PLAN 3444 Camino del Rio North Suite 101 * San Diego, California 92108 * (855) 958-4015 Participant LABOR UNIONS 401(k) PLAN Re: Enrollment Information Dear Participant: Your Collective Bargaining Agreement

More information

Effective May 14, 2014, an after-tax Roth

Effective May 14, 2014, an after-tax Roth ACCESSBenefits for Questions and Plan Transactions If you want to elect the after-tax Roth 401(k) option, visit myhr and click on the My Pay & Benefits tab, then select 401(k) from the menu to access your

More information

Maryland Teachers and State Employees Supplemental Retirement Plans. e Basics

Maryland Teachers and State Employees Supplemental Retirement Plans. e Basics Maryland Teachers and State Employees Supplemental Retirement Plans e Basics Welcome The State of Maryland gives you four ways to be ready for your retirement through the Maryland Supplemental Retirement

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Ensign Services, Inc. 401(k) Retirement Savings Plan Invest in your retirement and yourself today, with help from the Ensign Services, Inc. 401(k) Retirement Savings Plan and Fidelity. YOUR GUIDE TO GETTING

More information

RR Donnelley Savings Plan

RR Donnelley Savings Plan RR Donnelley Savings Plan Summary Plan Description (updated to reflect September 2014 recordkeeper name change and May 2015 company address change) This document constitutes part of a prospectus covering

More information

Get to know your retirement plan!

Get to know your retirement plan! Get to know your retirement plan! The ABM 401(k) Employee Savings Plan Planning and investing for retirement can help you pursue a more secure financial future for yourself and your family. That s why

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED William Marsh Rice University Supplemental 403(b) Plan, #50190 Invest in your retirement and yourself today, with help from the William Marsh Rice University Supplemental 403(b) Plan and Fidelity. YOUR

More information

Saving the Smart Way.. with the Pride, Inc. 401(k)/PS Plan Bell State Bank & Trust

Saving the Smart Way.. with the Pride, Inc. 401(k)/PS Plan Bell State Bank & Trust Saving the Smart Way.. with the Pride, Inc. 401(k)/PS Plan Bell State Bank & Trust To Days Topics Why 401(k)? How your plan works The Investment Decision How are you going to pay for Retirement? According

More information

Get ready Your Plan is on the move!

Get ready Your Plan is on the move! Get ready Your Plan is on the move! November 2018 We are pleased to announce that the is moving to a new recordkeeper, Voya Financial this January. Bass Pro Shops and Voya have prepared this newsletter

More information

Your Columbia University Retirement Savings Program

Your Columbia University Retirement Savings Program Your Columbia University Retirement Savings Program For Employees of Columbia University Represented by TWU Local 241, Local 1199, Local 32BJ, MEBA and MM&P There s No Time Like the Present to Plan for

More information

SMART INVESTING FOR YOUR RETIREMENT. ENROLLMENT KIT

SMART INVESTING FOR YOUR RETIREMENT. ENROLLMENT KIT CalPERS Supplemental Income 457 PL AN SMART INVESTING FOR YOUR RETIREMENT. ENROLLMENT KIT Ready to Enroll? Two steps and you re on your way with the CalPERS Supplemental Income 457 Plan Jump Start Your

More information

JOHNSON & JOHNSON SAVINGS PLAN

JOHNSON & JOHNSON SAVINGS PLAN JOHNSON & JOHNSON SAVINGS PLAN PLAN DETAILS SUMMARY PLAN DESCRIPTION AND PROSPECTUS May 2016 DC: 5961527-19 QUICK REFERENCE Quick Reference Guide Am I eligible for this Plan? Generally, US non-union employees

More information

Medtronic Savings and Investment Plan

Medtronic Savings and Investment Plan DB1/ 87571888.13 Medtronic Savings and Investment Plan (Also known as the Medtronic 401(k) Plan ) January 1, 2016 MEDTRONIC SAVINGS AND INVESTMENT PLAN This document is a summary of the Medtronic Savings

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Marathon Oil Company Thrift Plan Invest in your retirement and yourself today, with help from the Thrift Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you

More information

Getting on the Right Path with Your Workplace Savings Plan Boyce Brice January 18, 2016

Getting on the Right Path with Your Workplace Savings Plan Boyce Brice January 18, 2016 Getting on the Right Path with Your Workplace Savings Plan Boyce Brice January 18, 2016 So, you re starting to think about saving for retirement Today s agenda: Steps to prioritizing your savings Benefits

More information

RETIREMENT: Building Your Future

RETIREMENT: Building Your Future RETIREMENT: Building Your Future Start Exploring Online Enrollment Enrolling Online is Easy! LET S GET STARTED! Select Online Enrollment ELPASO Guided Steps 1-877-800-1114 CATHOLIC DIOCESE OF EL PASO 403(B)

More information