Retirement Plans. Please call to hear this presentation Passcode: JETBLUE
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1 Retirement Plans Please call to hear this presentation Passcode: JETBLUE BlueBenefits Benefits Website: lifeisbetterinblue.com T. Rowe Price Website: rps.troweprice.com/jetblue Phone:
2 Welcome to JetBlue's Retirement Plans
3 Today s Discussion U.S. Retirement Plan Investment Options Puerto Rico Retirement Plan Loans Enrollment Hardship Withdrawals Eligibility In-service Withdrawals JetBlue Match Q & A Vesting Retirement Plus Profit Sharing 3
4 The JetBlue Airways Retirement Plan (U.S.) JetBlue s 401(k) Plan allows you to contribute: Either a percentage or fixed dollar amount of your earnings in pre-tax (Traditional) or post-tax (Roth) contributions IRS 2013 maximum contribution is $17,500 Additional $5,500 in Catch-up Contributions for those age 50 and over Rollover contributions allowed 4
5 JetBlue Deferred Savings Plan (Puerto Rico) Crewmembers can save a percentage of their pay in pretax dollars up to $15,000 Additional $1,500 in Catch-up Contributions for those age 50 and over 5
6 Eligibility Which Crewmembers are eligible to participate? U.S. Puerto Rico 6
7 Enrolling in Retirement is Easy! Ø Phone: T. Rowe Price (800) Ø Online: rps.troweprice.com/jetblue 7
8 JetBlue Match Dollar-for-dollar match up to 5%! 1% 2% 3% 4% 5% 6% Earnings $1,000 Deferral Amount $10 $20 $30 $40 $50 $60 JetBlue Match $10 $20 $30 $40 $50 $50 Contribute at least 5% to ensure you receive the maximum amount of matching contributions 8
9 Vesting Matching Contributions JetBlue match has a 5-year graded vesting schedule One year = 1,000 hours of service in a calendar year 9
10 Retirement Plus 5% of your earnings deposited quarterly More than $18M distributed so far in 2013 If you don t actively participate in the plan, an account will be set up on your behalf To be eligible, Crewmembers must be employed on the last day of each quarter 10
11 Vesting Retirement Plus Retirement Plus contributions have a 3-year cliff vesting schedule One year = 1,000 hours of service in a calendar year 11
12 Profit Sharing Profit sharing is an annual payment occurs when 15% of pretax profits exceeds 5% of eligible earnings For 2012, Crewmembers received.42% of their earnings as Profit Sharing You decide! Paid as cash or deposited into your retirement account (vested automatically) Must be employed on December 31 to be eligible 12
13 Investment Options Core investment choices in the retirement plans include: 13 Equity Funds 2 Fixed Income Funds 1 Money Market Fund 12 Target Date Retirement Funds JetBlue Stock 13
14 TradeLink Brokerage Account Allows Crewmembers to expand and diversify their investments beyond those available in the core investment lineup 14
15 Loans through T. Rowe Price Loan are available from the vested account balance Must have active employment status Minimum loan amount $1,000 Maximum loan amount is the lesser of: 50% of your vested account balance or $50,000 15
16 Taking a Loan: What you Need to Know $50 Loan origination fee applies Only one loan can be outstanding at a time Repaying your loan Loan balances, plus interest, must be paid within 5 years Primary Residence loans must be repaid within 30 years Initiating a new loan Once a loan is paid off in full, there is a 10-day waiting period 16
17 Hardship Withdrawals Acceptable Hardship Reasons: Medical Expenses Purchase of your Primary Residence Educational Expenses To prevent eviction or foreclosure Burial and funeral expenses Expenses associated with repairing damage to your primary residence Please note: There is a 6-month restriction on contributions following a Hardship Withdrawal 17
18 In-service Withdrawals Withdrawal from your Retirement Plan for one of the following reasons: Age 59½ or older When taking a withdrawal of your Rollover contributions Due to Qualified Military Service No proof of hardship is required 18
19 What you Learned Today Enrolling in and managing your account is easy through T. Rowe Price with a wide array of investment options Most Crewmembers contributing 5% into their Retirement account will receive 10% from JetBlue 5% Match and 5% Retirement Plus Matching contributions vest gradually over a 5-year period Retirement Plus contributions vest once you ve reach 3 years of service Loans & Distributions should be a last resort due to the financial implications 19
20 Benefits Resources
21 T. Rowe Price Website: rps.troweprice.com/jetblue 21
22 T. Rowe Price Website: rps.troweprice.com/jetblue 22
23 Benefits Website: lifeisbetterinblue.com Your portal for important Benefits tools and plan information What you ll find online: Retirement plan details Videos and Tutorials Benefits Guide FAQs, Articles and more!
24 24
25 Take Action! Learn more by visiting lifeisbetterinblue.com Visit T. Rowe Price to enroll or update your election rps.troweprice.com/jetblue Questions or Suggestions? us at: 25
26 Q&A If you have additional questions: BlueBenefits T. Rowe Price Website: rps.troweprice.com/jetblue Benefits Website: lifeisbetterinblue.com Phone:
27 BlueBenefits Benefits Website: lifeisbetterinblue.com T. Rowe Price Website: rps.troweprice.com/jetblue Phone:
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401(k) Plan (Click here to download and print the entire section) The Mashantucket Pequot Tribe (MPT) 401(k) Retirement Plan can help you save money for your retirement through easy payroll deductions.
Small business edition
How America Saves 2017 Small business edition 2017 Vanguard Retirement Plan Access supplement to How America Saves Introduction Defined contribution (DC) retirement plans are the centerpiece of the private-sector