Retirement Savings Plan
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- Donald Waters
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1 Retirement Savings Plan Dear BorgWarner Employee: Welcome to your Retirement Savings Plan a great way to take the wheel and drive toward a more comfortable financial future. As a participant, you can take advantage of tax-deferred savings and a wide selection of investment opportunities. The enclosed Take the Wheel workbook includes essential information about the plan that will make it easier for you to get started. It walks you through simple steps to help you decide how much to save for your future and how to invest those savings. Included with this workbook are the following materials: Plan features summary outlines how the plan works, including information on contribution limits, vesting, and withdrawals. Enrollment worksheet is a handy way to record your decisions as you go through the materials. Use this worksheet as a guide when you contact T. Rowe Price about how much you contribute or how you invest your contributions. Investment performance page shows the short-term and long-term track record of each investment in the plan. Fund fact sheets give you information about each investment option, including investment objective, strategy, and risks. Please see the disclosure page that follows the fund fact sheets for important information, including the risks of investing in mutual funds and an explanation of the information available on the fund fact sheets. Beneficiary form allows you to name or update your beneficiaries. Important note: Please complete this form and return it to T. Rowe Price in the enclosed postage-paid, self-addressed envelope. Getting started is simple. That s because 60 days after you become eligible to join the plan, you will be automatically enrolled in the plan. With automatic enrollment, 3% will be deducted from your Before-Tax pay and contributed to your plan account. This contribution along with a 100% Company Matching contribution will be invested in a Northern Trust Focus Fund with a target year most closely matching your anticipated retirement date. You can change your investment allocation or decide not to participate in the plan at any time. As a participant, you can take advantage of tax-deferred savings and a wide selection of investment opportunities. To enroll: 1. Call T. Rowe Price at or visit the website at rps.troweprice.com. 2. Complete the enclosed beneficiary form and return it to T. Rowe Price in the enclosed postage-paid, self-addressed envelope. Go ahead, turn the key and get going! Call to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read carefully before investing _ltr_enr_ OCQ18-BWEN 2/11
2 TAKE THE WHEEL Retirement Savings Plan BorgWarner Morse TEC Inc., Ithaca Plant Retirement Savings Plan Eligibility and Enrollment You are eligible to join the plan after 60 days of employment with the Company. Simply call T. Rowe Price at or log in to the T. Rowe Price website at rps.troweprice.com. If you take no action, you will be automatically enrolled in the plan 60 days after you become eligible. With automatic enrollment, 3% will be deducted from your Before-Tax pay and deposited into the Savings Account of your Retirement Savings Plan (RSP) account. This contribution along with a 100% Company Matching contribution will be invested in a Northern Trust Focus Fund whose target year most closely matches your anticipated retirement date (as shown in the enclosed Investment Workbook). If you wish to change your investment mix allocation, log in to the website or call T. Rowe Price at Company Retirement Account After you have been employed with the Company for 60 days, the Company will make a contribution to your account each payroll based on your years of service, as indicated in the chart below. The Company contributions made to this account are not available for a withdrawal or a loan. Company Retirement Account Contributions The Company For compensation contributes earned between: per hour: 1/1/ /31/2009 $0.42 1/1/ /31/2010 $0.45 1/1/ /31/2011 $0.51 1/1/ /31/2012 $0.55 Savings Account You can contribute from 1% to 28% of your eligible pay to this account on a Before-Tax and/or After-Tax basis. (Your Before-Tax contributions are subject to IRS annual limits. Total contributions may not exceed 28%.) The Company will match 100% of the first 3% of your Before-Tax contributions. All employee contributions made to this account will be available for a withdrawal or a loan (subject to plan rules), though Company contributions are not. Catch-Up Contributions If you will be age 50 or older on or before December 31 of the current year and defer the maximum you are allowed under the plan, you may also contribute an additional amount of Catch-Up contributions up to the IRS limit. Retiree Health Account (RHA) With health care costs continuing to climb, the RHA portion of the RSP is a valuable way to help you set aside money today while earning RHA Company matching contributions for medical costs you may incur after you leave BorgWarner. You can contribute from 1% to 3% of your eligible pay on a Before-Tax basis and the Company will match those contributions dollar for dollar up to $500 per year. All employee contributions made to this account will be available for a withdrawal or a loan (subject to plan rules), though Company contributions are not. RHA assets can be withdrawn even if the assets are not being used for health care expenses. Your combined Before-Tax contributions made to your Savings Account and Retiree Health Account are subject to annual limits set by the Internal Revenue Service. (over, please)
3 Vesting Vesting refers to the portion of your account that you may take when you leave the Company or borrow from when you need a loan. You are always 100% vested in the part of your account that comes from your own contributions. You will become 100% vested in your Company contribution accounts after completing three years of service. Loans Your plan allows you to take a loan from the vested portion of your RSP account (with the exception of your Company Retirement Account, Savings Company Match, and RHA Company Match) using the following guidelines: The minimum loan amount is $500. The maximum is the lesser of (a) 50% of your vested balance, or (b) $50,000 reduced by the highest outstanding loan balance in the last 12 months You may not have more than one loan outstanding at a time Loan interest is the prime rate plus 1% Loans plus interest must be paid back within five years There is a $50 loan initiation fee Withdrawals While we encourage you to leave your money in the plan until you re ready to retire, there are occasions when you may need to take a withdrawal while you are still employed. You may take up to two hardship and two non-hardship withdrawals per year, subject to plan rules. Here are the types of withdrawals available: Non-hardship withdrawal includes After-Tax and Rollover, plus any earnings Age withdrawal includes the vested portion of your RSP account (with the exception of your Company Retirement Account, Savings Company Match, and RHA Company Match) Hardship withdrawal includes Savings Before-Tax contributions, RHA Before-Tax contributions and certain earnings; available to employees under age and is restricted to documented financial hardship. Reasons for hardship include: Unreimbursed medical expenses Purchase of primary residence Tuition and related expenses for post-secondary education Prevention of eviction or foreclosure Funeral expenses Damage of principal residence Just remember, there are serious consequences to taking a withdrawal: Any withdrawals of Before-Tax or employer contributions and related earnings are taxable income for federal and sometimes state taxes. Generally, a 10% penalty applies to taxable withdrawals taken before age Most withdrawals are subject to a mandatory 20% federal withholding unless you make a direct rollover to a Traditional IRA or an eligible employer retirement plan. You may directly roll over a distribution from the plan into a Roth IRA. The amount rolled into the Roth IRA is considered taxable income to you in the year of the rollover. The earnings on any After-Tax contributions you withdraw are taxed as income unless they are rolled over. After-Tax contributions can be returned to you tax-free, or they may be rolled over to an individual retirement account (IRA) or an eligible employer retirement plan. Consult your tax advisor for details. Additional plan distribution rules apply. This summary provides only a general overview of your plan. If any information in this summary conflicts with the plan document, the plan document will govern. BW-G OCT74-BWE7 12/ _fly_plf_
4 TAKE THE WHEEL Retirement Savings Plan While you re on the road to retirement, the BorgWarner Retirement Savings Plan can help you reach your destination. Once you begin employment with BorgWarner, you are immediately eligible to make salary deferral contributions. If you haven t enrolled within 60 days, you will be enrolled automatically and 3% of your before-tax pay will be invested in your account. Your account may have three sub-accounts within it: Company Retirement Account (CRA) This sub-account holds contributions that BorgWarner makes on your behalf. BorgWarner makes contributions that are based on your years of service and your pay. Savings Account (SA) This sub-account holds contributions that you make through payroll deduction plus BorgWarner matching contributions. You can contribute up to 28% of your pay on a before-tax basis.* You can contribute up to 28% of your pay on an after-tax basis.* BorgWarner matches your before-tax contributions dollar for dollar up to 3% of your pay. Retiree Health Account (RHA) This sub-account holds contributions that you make through payroll deduction plus BorgWarner matching contributions. You can contribute up to 3% of your pay on a before-tax basis.* BorgWarner matches your RHA contributions dollar for dollar up to $500 annually. * The total of your before-tax and after-tax contributions cannot exceed 31% of your pay. Before-tax contributions are subject to the annual limit set by the IRS. This summary provides only a snapshot of some of the features and benefits of the plan. Additional information is available in the summary plan description and on the website at rps.troweprice.com. You can also direct questions to your local human resources representative or the plan s service provider, T. Rowe Price, at If any information in this summary conflicts with the plan document, the plan document will govern. If you do not make an investment election, your contributions will be invested in the Northern Trust Focus Fund with the target year closest to the year you will turn age 65. Making salary deferral contributions to your plan account is encouraged but not mandatory. You may choose not to be automatically enrolled by notifying T. Rowe Price, the plan recordkeeper, at , during the opt-out period provided in the notice you receive in the mail _fly_csm_ /
5 Automatic Enrollment REQUIRED NOTICE TO PLAN PARTICIPANTS ***INFORMATION ONLY NO ACTION REQUIRED*** Annual Notice Automatic Enrollment and Default Investment Alternative The BorgWarner Morse TEC Inc. Ithaca Plant Retirement Savings Plan ( Plan ) contains an automatic contribution arrangement, which is also known as automatic enrollment. With automatic enrollment, unless you elected otherwise, your employer ( Company ) automatically deducts 3% from your pay on a beforetax basis each pay period and deposits these amounts into your Plan account. The company also matches, on a dollar-for-dollar basis, up to the first 3% of eligible pay you contribute each pay period. These matching contributions will be made regardless of whether your contributions are determined through auto-enrollment. You have the right at any time to change the contribution amount or to choose not to make any contribution at all. The change will be made as soon as administratively possible, but in most cases the change will apply to your first pay after you make the change. You may change your contribution amount by going to the Web site at rps.troweprice.com or by calling the Plan Account Line at Representatives are available to assist you from 7 a.m. to 10 p.m. Eastern time. You can find a description of the other types of contributions the Company may make to your Plan account and an explanation of how your pay is determined for calculating contributions in the Contributions section of the Plan s SPD. Terminated Participants If you are a terminated Participant in the Plan, the automatic enrollment information above does not apply to you. You are receiving this notice because it also contains information about the default investment alternatives for the amounts in your Plan account, if any, that you do not direct. Default Investment Alternative Regardless of whether you are an active employee or terminated participant, you have the right to direct the investment of your Plan account. If you do not choose an investment option for amounts in your Plan account, your Plan account (including any automatic enrollment contributions or Company contributions made on your behalf) will be invested in the Plan s default investment option until you change your investment election. The Plan s default investment is the Northern Trust Focus Funds, and your account will be invested in the target year Focus Fund closest to the year in which you turn 65. A transfer from any QDIA fund will not be subject to any restrictions, redemption fees, or similar expenses at any time. A brief description of the existing and new default investments, including their investment objectives, risk and return characteristics, fees, and expenses is included in the booklet attached to this notice. You have the right to change your investment election to any other investment alternative under the Plan at any time by calling the Plan Account Line at or by going to the Web site at rps.troweprice.com. You can obtain investment information about the Plan s default fund and other investment options by calling the Plan Account Line or by going to the Web site at rps.troweprice.com. NOTE: IF YOU HAVE CHANGED YOUR CONTRIBUTION AMOUNT OR YOUR INVESTMENT OPTION FROM THE DEFAULTS NAMED ABOVE, YOU WILL REMAIN IN THE CONTRIBUTION AMOUNT AND THE INVESTMENT OPTION(S) YOU ELECTED UNTIL YOU OR THE COMPANY MAKES A FUTURE CHANGE.
6 Current Default Investment Northern Trust Focus 2010 Fund The Northern Trust Focus 2010 Fund provides an asset allocation for people planning to retire between 2008 and Over time, the Fund s asset allocation becomes more Northern Trust Focus 2015 Fund The Northern Trust Focus 2015 provides an asset allocation for people planning to retire between 2013 and Over time, the Fund s asset allocation becomes more conservative as it approaches the target retirement date. The Fund invests in a broadly diversified portfolio of primarily passive investment funds comprised of U.S. and international stocks, securities that act as a hedge against inflation, U.S. bonds and U.S. Government cash reserves. The investment risks of the Fund changes over time as its allocation changes. The Fund is subject to the volatility of the financial markets including 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. Northern Trust Focus 2020 Fund The Northern Trust Focus 2020 Fund provides an asset allocation for people planning to retire between 2018 and Over time, the Fund s asset allocation becomes more Data provided by Northern Trust Corporation 1
7 Northern Trust Focus 2025 Fund The Northern Trust Focus 2025 Fund provides an asset allocation for people planning to retire between 2023 and Over time, the Fund s asset allocation becomes more Northern Trust Focus 2030 Fund The Northern Trust Focus 2030 Fund provides an asset allocation for people planning to retire between 2028 and Over time, the Fund s asset allocation becomes more Northern Trust Focus 2035 Fund The Northern Trust Focus 2035 Fund provides an asset allocation for people planning to retire between 2033 and Over time, the Fund s asset allocation becomes more Data provided by Northern Trust Corporation 2
8 Northern Trust Focus 2040 Fund The Northern Trust Focus 2040 Fund provides an asset allocation for people planning to retire between 2038 and Over time, the Fund s asset allocation becomes more Northern Trust Focus 2045 Fund The Northern Trust Focus 2045 Fund provides an asset allocation for people planning to retire between 2043 and Over time, the Fund s asset allocation becomes more Northern Trust Focus 2050 Fund The Northern Trust Focus 2050 Fund provides an asset allocation for people planning to retire between 2048 and Over time, the Fund s asset allocation becomes more Data provided by Northern Trust Corporation 3
9 Northern Trust Focus 2055 Fund The Northern Trust Focus 2055 provides an asset allocation for people planning to retire between 2053 and Over time, the Fund s asset allocation becomes more conservative as it approaches the target retirement date. The Fund invests in a broadly diversified portfolio of primarily passive investment funds comprised of U.S. and international stocks, securities that act as a hedge against inflation, U.S. bonds and U.S. Government cash reserves. The investment risks of the Fund changes over time as its allocation changes. The Fund is subject to the volatility of the financial markets including 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. Target Retirement Income Fund The Target Retirement Income Fund provides an asset allocation for people already retired. The Fund invests in a broadly diversified portfolio of primarily passive investment funds comprised of U.S. and international stocks, securities that act as a hedge against inflation, U.S. bonds and U.S. Government cash reserves. The investment risks of the Fund changes over time as its allocation changes. The Fund is subject to the volatility of the financial markets including equity and fixed income investments in the U.S. and abroad and may be subject to risks Data provided by Northern Trust Corporation 11/10 4
10 TAKE THE WHEEL Retirement Savings Plan BorgWarner Inc. Retirement Savings Plan Make your decisions work for you You are immediately eligible to join the plan. While the plan has made it easy to participate by automatically enrolling employees after 60 days of service, you may decide to enroll before your automatic enrollment takes place. Or you may want to make changes to how you would be automatically enrolled. For instance, you may want to change: How much you contribute, or How your contributions and Company contributions are invested. As you read through the enrollment materials, use this worksheet to keep track of your decisions. Then use it as a quick reference when you access your plan account either by phone at or by visiting the website at rps.troweprice.com. COMPONENTS OF THE RETIREMENT SAVINGS PLAN (RSP) Company Retirement Account Company Retirement Savings Account Savings Before Tax Savings After Tax Savings Company Match Rollover* After-Tax Rollover* Retiree Health Account (RHA) RHA Before Tax RHA Company Match Company Retirement Account Retiree Health Account Savings Account * Not a payroll contribution. (over, please)
11 HOW MUCH TO CONTRIBUTE? The Company will: Begin making Company retirement contributions after 60 days of service, and Immediately match certain contributions you make to the plan. You must decide: How much you want to have taken out of your paycheck as your employee contributions. If you do nothing, you will be automatically enrolled after 60 days. With automatic enrollment, 3% will be deducted from your before-tax pay and contributed to your account. Below is a listing of the various contribution sources (including contribution limits). Your Employee Contribution Elections: Contribution source Amount Your election Savings Before Tax* 1% 28%** Savings After Tax 1% 28%** Catch-Up Before Tax (For employees age 50 or older by the end of the current year) up to the IRS limit RHA Before Tax* 1% 3% * Up to the IRS limit. ** Combined total not to exceed 28%. Company Contributions: Contribution source Company Retirement Savings Company Match RHA Company Match Amount Automatic after 60 days from date of hire 100% of first 3% of Savings Before Tax 100% of RHA Before Tax, up to $500 HOW TO INVEST YOUR CONTRIBUTIONS? INVESTMENT CATEGORIES STOCKS BONDS Investment Options ***Company stock BorgWarner Inc. Stock*** Buffalo Small Cap Harbor International Collective S&P 500 Index Fund Northern Trust International Vanguard Mid-Cap Index Northern Trust Collective Aggregate Bond Index Fund 2 MONEY MARKET/ STABLE VALUE Stable Value Fund, Schedule N PRE-ASSEMBLED FUNDS Northern Trust Focus 2055 Fund Northern Trust Focus 2050 Fund Northern Trust Focus 2045 Fund Northern Trust Focus 2040 Fund Northern Trust Focus 2035 Fund Northern Trust Focus 2030 Fund Northern Trust Focus 2025 Fund Northern Trust Focus 2020 Fund Northern Trust Focus 2015 Fund Northern Trust Focus 2010 Fund Northern Trust Focus Income Fund
12 The investment options offered in the Retirement Savings Plan are shown below: With contributions coming soon into your account, you must decide how you want these contributions invested. The RSP offers you two ways to approach investing for your retirement: 1) Choose a pre-assembled, professionally managed portfolio, or 2) Choose the build-it-yourself approach where you will select your own combination of investments from the plan s lineup. These two investment methods are broken down below. As you review the enrollment materials and decide which approach best suits you, indicate how you would like to have future contributions invested. That way, you ll have your choices at your fingertips when you contact T. Rowe Price to make your elections. You must call T. Rowe Price at to make your investment choices, or you can make your election on the T. Rowe Price website at rps.troweprice.com. If you do not make an investment election, any contributions made to your account will be invested in a target-year Focus Fund closest to the year in which you turn 65. Option 1: Pre-assembled portfolio If you were born... This fund might be right for you... In 1988 or after Northern Trust Focus 2055 Fund Northern Trust Focus 2050 Fund Northern Trust Focus 2045 Fund Northern Trust Focus 2040 Fund Northern Trust Focus 2035 Fund Northern Trust Focus 2030 Fund Northern Trust Focus 2025 Fund Northern Trust Focus 2020 Fund Northern Trust Focus 2015 Fund Northern Trust Focus 2010 Fund In 1942 or earlier Northern Trust Focus Income Fund Each portfolio is designed with a target retirement date in mind. Option 2: Build-it-yourself portfolio The investments are grouped by investment type: stocks, bonds, and stable value. Once you have read about them and selected those that appeal to you: Check the percentage of your total contribution you want to invest in each investment type. Decide how to combine the investment options to complete the investment type. For example, if you decide you want 60% of your investment in the stock category, you will then need to decide how you want that 60% allocated across the stock funds that the plan offers. NOTE: All investment options are available under the build-it-yourself approach. As you ll see in the Investment Workbook, the pre-assembled funds are not included in the asset allocation pie charts. The Focus portfolios by design are diversified, made up of varying amounts of stocks, bonds, and stable value instruments. (over, please) 3
13 Stocks Buffalo Small Cap Fund Harbor International Fund, Instl. Northern Trust Collective S&P 500 Index Fund Vanguard Mid-Cap Index Fund, Instl. Total Stock Your Election Bonds Northern Trust Collective Aggregate Bond Index Fund Total Bond Money Market/Stable Value Stable Value Fund, Schedule N Total Stable Value Company Stock BorgWarner Inc. Stock Fund Total Company Stock When building your own portfolio under Option 2 at T. Rowe Price: You may elect to assign the same investment allocation to all contribution sources, or you may elect to have these sources invested differently. If you choose to invest each contribution source differently (see the list of sources below), you will be required to make an investment option allocation for each source to which you are contributing. You will be required to make these choices again if you decide to change how your future contributions are allocated. When making this election either online or via the toll-free phone number, the following options will be referenced: All sources Savings Before Tax RHA Before Tax RHA Company Match Savings After Tax After-Tax Rollover Company Retirement Savings Company Match Rollover Total Investment Allocation 100% Call to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing _fly_inv_0511 OCX 106-BWEN /11 4
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