Important Marathon Petroleum Thrift Plan Changes!
|
|
- Ada Robbins
- 5 years ago
- Views:
Transcription
1 Important Marathon Petroleum Thrift Plan Changes! Several changes are being made to the Thrift Plan on January 1, 2016, a summary of which can be found on pages 1 2 of this newsletter. Further details about these changes, including a new formula for calculating the Company matching contribution and several investment option changes, are also included so you can consider if you wish to take any action.
2 Your Guide to the Coming Marathon Petroleum Thrift Plan Changes For More Information... Overview of Marathon Petroleum Thrift Plan Changes... 1 New Thrift Plan Feature Details... 3 How Do I Enroll in the Thrift Plan, and When Will My Enrollment Be Effective?... 3 i Please also see these separate documents, which are enclosed with this newsletter: Safe Harbor Notice New Investment Option Descriptions Designated Default Investment Option Notice Student Workers: Eligible for the Thrift Plan... 3 New Company Matching Contribution Formula... 4 How Do I Change My Contribution Amount?... 5 Vesting for New and Prior Contributions... 6 Safe Harbor Plan... 6 Make Sure You Have a Current Beneficiary Designation... 6 Thrift Plan Investment Options... 7 If You Don t Choose Investment Options... 8 Coming Investment Option Changes... 8 How Assets and Future Contributions Will Transfer to the New Investment Options New Designated Default Investment Option for Participants Born On or After January 1, What Do I Need to Do? Additional Consideration For More Information To request changes to your account or for more information about the Thrift Plan features and investment options, here s how to get help: By Phone Call the Fidelity Service Center for Marathon Petroleum and Speedway toll free at Representatives are available to assist you Monday through Friday (excluding New York Stock Exchange holidays except Good Friday) between 8:30 a.m. and midnight Eastern time. Online Visit i
3 Overview of Marathon Petroleum Thrift Plan Changes The formula for calculating the Company matching contribution is changing on January 1, 2016, to enable the Thrift Plan to take advantage of safe harbor government regulations intended to encourage savings plan participation by all employees. This is just a formula change, and the generous Company matching contribution will continue to be given at the same level. Effective January 1, 2016, for every $1.00 you contribute toward your own retirement through your Thrift Plan account, up to 6% of your eligible pay, Marathon Petroleum will contribute $1.17*. In other words, if you contribute 6%, the Company will contribute 7% of your eligible pay. The matching contributions will continue to be invested in your Thrift Plan account throughout the year, as your own contributions are automatically deducted from your pay and directed to your account. In order to receive the Company match, you need to enroll in the Thrift Plan if you haven t already done so and direct to have your own contributions to your Thrift Plan account deducted from your paycheck. Information about how to enroll is on page 3 and how to make contribution changes is on page 5 of this newsletter. If you want to enroll or make contribution changes in time to have them, along with the corresponding Company match, start with your first paycheck in 2016, you must take action by 4 p.m. Eastern time on December 24, Any changes you make after that date will be effective as soon as administratively feasible. Other important Thrift Plan changes that are described in this newsletter include: Vesting You will be immediately vested in the Company matching contributions given on or after January 1, 2016, and any earnings on them. The current vesting schedule for Company matching contributions given prior to January 1, 2016, remains as is. See page 6 for details. Catch-up contributions matched Effective January 1, 2016, both pre-tax and Roth 401(k) catch-up contributions are eligible for matching contributions up to the match limit (that is, 117% of the combined total of your pre-tax, Roth 401(k), catch-up, and/or after-tax contributions up to 6% of your pay), with the match given annually rather than per pay period. You can make catch-up contributions if you have reached age 50 or will reach age 50 during the calendar year and are making the maximum contribution allowed by the Thrift Plan or the IRS. Changes for Highly Compensated Employees** Individuals meeting the criteria to be classified as a Highly Compensated Employee (HCE) have had their pre-tax and/ or Roth 401(k) contributions capped at 12% of eligible pay. Effective January 1, 2016, that cap will be lifted, but HCEs will be restricted from making after-tax contributions. HCEs will continue to be subject to the Thrift Plan and IRS pre-tax and Roth 401(k) contribution limit, which is $18,000 for *Marathon Detroit Refinery employees are not eligible for this match; please disregard all references to Company matching contributions in this newsletter. **If you earn $120,000 or more in 2015, you will be considered an HCE in Fidelity Service Center for Marathon Petroleum and Speedway:
4 New and changing investment options A number of Thrift Plan fund changes will take place after 4 p.m. Eastern time on December 31, 2015, as described beginning on page 8 of this newsletter. These changes include: Two new investment options will become available. Two investment options will be removed from the plan and assets and future contributions will transfer to other investment options. Three funds in the Thrift Plan will be replaced by lower-cost share classes of the same funds. Assets and future contributions will transfer from the higher-cost to the lower-cost share classes. These changes will take place without any action on your part. However, if you are not satisfied with how your current investment elections will be modified, you have the opportunity to make changes. Go to the What Do I Need to Do? section on page 12 to learn more. Descriptions of the new investment options are in an accompanying brochure. New Designated Default Investment Option for the youngest participants Among the new investment options will be the Pyramis Core Lifecycle 2060 Commingled Pool Class V, an additional investment option in the family of target date retirement investments that serves as the Designated Default Investment Option for participants who have not chosen investment elections. On January 4, 2016, Pyramis Core Lifecycle 2060 Commingled Pool Class V will become the Designated Default Investment Option for participants born on or after January 1, 1993, who haven t made investment elections. Maximum number of loans While there will not be a change in 2016, it is anticipated that the maximum number of outstanding loans permitted for any participant will be reduced in future years from the current maximum of five. 2
5 New Thrift Plan Feature Details How Do I Enroll in the Thrift Plan, and When Will My Enrollment Be Effective? You can immediately participate in the Thrift Plan, regardless of your age and length of service, if you are an eligible employee as defined by Marathon Petroleum. If you re eligible for the Thrift Plan but have not yet enrolled, you need to do so in order to take full advantage of this great Company benefit! The quickest way to enroll in the Thrift Plan is to visit NetBenefits.com/EasyEnroll and answer a few simple questions. If you want more choices during the enrollment process about your initial contribution amount or investment elections, you can log on to Fidelity NetBenefits at marathonpetroleum and choose Standard Enrollment. (You can also select EasyEnroll after logging in to NetBenefits, if you prefer.) For assistance with enrollment, call the Fidelity Service Center for Marathon Petroleum and Speedway toll free at to speak with a Fidelity Customer Service Representative. If you have ever contributed in the past but then stopped, you are recognized by the Fidelity system as being enrolled at a 0% contribution rate. If you want to begin contributing again, see the How Do I Change My Contribution Amount? section on page 5. Student Workers: Eligible for the Thrift Plan All student workers (including co-ops, interns, and summer helpers) will be eligible for the Thrift Plan effective January 1, When your contributions will begin being directed from your pay into your Thrift Plan account will depend on when you are first eligible for the Thrift Plan and when you complete the enrollment process. If you are now eligible or will become eligible for the Thrift Plan on January 1, 2016 You can enroll now, and contributions will begin after January 1, In order to have your contributions and the corresponding Company match start with your first paycheck in 2016, you must complete the enrollment process by 4 p.m. Eastern time on December 24, You can also enroll at any time after December 24, 2015, and your enrollment will be effective as soon as administratively feasible. If you will become eligible for the Thrift Plan after January 1, 2016 Your enrollment will be effective as soon as administratively feasible. Please note that, if you enroll in the Thrift Plan before 4 p.m. Eastern time on December 31, 2015, the investment options you chose may be changing at that time. You might have chosen investment options that will have been removed from the Thrift Plan and replaced by different investment options before your contributions start going into your Thrift Plan account in Please read Coming Investment Option Changes on page 8 and the succeeding sections to learn which investment options are being removed and where assets in and future contributions to those investment options will be transferred. Fidelity Service Center for Marathon Petroleum and Speedway:
6 New Company Matching Contribution Formula The Company match formula will be changed to 117% on up to 6% of eligible pay for all Thrift Plan participants, effective January 1, The maximum match is on any combination of pre-tax, Roth 401(k), and/or after-tax contributions you make. Even if the combined total of your pre-tax, Roth 401(k), and/or after-tax contributions exceeds 6% of your pay, the total match will be capped at 117% of 6% of your pay. The matching contributions will be deposited in your Thrift Plan account throughout the year, as your own contributions are automatically deducted from your pay and directed to your Thrift Plan account. The table below provides a comparative example of the current and future match formulas. Match Formula Percentage of Your Eligible Pay that You Contribute Annual Salary Your Contribution Amount Company Match Amount TOTAL Current: 100% of up to 7% of pay 7% $60,000 $4,200 $4,200 $8,400 Future: 117% of up to 6% of pay 6% $60,000 $3,600 $4,212 $7,812 Future: 117% of up to 6% of pay 7% $60,000 $4,200 $4,212 $8,412 It s a good idea to contribute at least 6% to get the full Company match, if possible. If you are enrolled but contributing less than 6%, you may want to consider increasing your contribution amount to take advantage of the new Company match formula. If you have been contributing 7% of your eligible pay in order to receive the current full Company match and going forward reduce your future contributions to 6% of your eligible pay, you will receive the full Company match after January 1, However, your overall savings for retirement will be less than at present, as shown in the table. Please carefully consider the long-term effect on your financial goals before reducing your contribution amount. Contribution limits Through automatic payroll deduction, you can make pre-tax and/or Roth 401(k) contributions equaling a combined total of between 1% and 25% of your eligible pay, up to the annual IRS contribution limit, which is $18,000 for Eligible pay includes base salary, overtime, and bonuses. Match on catch-up Effective January 1, 2016, the Company will also match pre-tax and/or Roth 401(k) catch-up contributions, which you are eligible to make if you have reached age 50 or will reach age 50 during the calendar year and are making the maximum contribution allowed by the Thrift Plan or the IRS. Please note that the maximum Company match of up to 6% of your eligible pay includes the match on your catch-up contributions. Match on catch-up contributions will be given annually. The 2016 IRS limit for catch-up contributions is $6,000. Highly Compensated Employees If you earn more than $120,000 in 2015, you will be considered an HCE in HCEs have had their pre-tax and/or Roth 401(k) contributions capped at 12% of eligible pay. Effective January 1, 2016, that cap will be lifted, and HCEs will be subject to the same pre-tax/ Roth 401(k) Thrift Plan contribution limits as other employees. However, HCEs will not be allowed to make aftertax contributions. If you will be an HCE in 2016 and are currently making after-tax contributions, you can change your after-tax contribution election percentage to zero by December 24, If you don t make that change by December 24, 2015, it will be made for you. 4
7 Annual true-up In early 2017 and each year thereafter, there will be a true-up calculation, and you will receive any additional employer matching contribution to which you are entitled for the previous year. The true-up calculation takes into account your total compensation for the year, your contributions that were eligible for the match, and the match that you received on a pay-by-pay basis. If there was a shortfall between the match you received on a pay-by-pay basis during the year and the full match on an annualized basis, an additional employer contribution will make up the difference. Additional information about the annual true-up and how it is calculated will be available in the Plan Information and Documents area of Fidelity NetBenefits at marathonpetroleum. How Do I Change My Contribution Amount? Once you have enrolled in the Thrift Plan, you can make contribution changes online at From the homepage, select Contribution Amount in the drop-down menu next to the Thrift Plan name. You can also call the Fidelity Service Center for Marathon Petroleum and Speedway toll free at The effective date of the changes will depend on when you are first eligible for the Thrift Plan and when you submit the change request. If you are now eligible or if you will become eligible for the Thrift Plan on January 1, 2016 If you have completed the enrollment process and then want to change your contribution amount, you must make the changes by 4 p.m. Eastern time on December 24, 2015, in order to have them reflected in your first paycheck in You can change your contribution amount at any time after December 24, 2015, and the changes will be effective as soon as administratively feasible. If you will become eligible for the Thrift Plan after January 1, 2016 After you enroll in the Thrift Plan, if you later change your contribution amount, the change will be effective as soon as administratively feasible. Fidelity Service Center for Marathon Petroleum and Speedway:
8 Vesting for New and Prior Contributions Vesting means having ownership of the contributions to your account. Vested assets are those that you will still have if you terminate employment with Marathon Petroleum. You are always 100% vested in your own contributions and any earnings on them. You will be immediately 100% vested in any new Company matching contributions that are given on or after January 1, 2016, and in any earnings on them. For Company matching contributions given prior to January 1, 2016, you will be 100% vested upon the earliest of the following: completion of three years of service attainment of normal retirement age (65) retirement under the Marathon Petroleum rules for retirement your death your disability. Safe Harbor Plan The changes that will be effective January 1, 2016, will enable the Thrift Plan to take advantage of safe harbor government regulations designed to encourage pre-tax and/or Roth 401(k) savings plan participation by all employees, regardless of salary amount. One of the requirements of being a safe harbor plan is providing participants with an annual notice describing matching contributions and vesting provisions. The notice for 2016 is enclosed with this newsletter. Make Sure You Have a Current Beneficiary Designation It is very important to designate a beneficiary or beneficiaries for your Thrift Plan account so that your assets will be distributed according to your wishes in the event of your death. Please be sure to name or review your beneficiaries if you: are enrolling in the Thrift Plan for the first time, previously enrolled and didn t designate a beneficiary, or designated beneficiaries but haven t reviewed them lately. To designate or review your beneficiaries, log on to Fidelity NetBenefits at marathonpetroleum, click Profile and then select the Beneficiaries link. After your initial designation, please be sure to update your choices as life events occur. If you do not have access to the Internet, Fidelity can mail you a paper form for you to complete and return. This form will have special coding that will enable your information to be uploaded into the online tool as if you had entered it directly into the tool. If you need assistance or a paper form, please call the Fidelity Service Center for Marathon Petroleum and Speedway toll free at
9 Thrift Plan Investment Options The Thrift Plan offers a range of investment options, from more conservative to more aggressive. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. A complete description of the current investment options and their performance is available on Fidelity NetBenefits at marathonpetroleum or by calling the Fidelity Service Center for Marathon Petroleum and Speedway toll free at The Thrift Plan also offers the Pyramis Core Lifecycle Commingled Pools Class V, which are designed for investors who want a simple approach to investing for retirement. They are designed to make it easier to invest by providing a complete investment strategy, all in one actively managed portfolio. Each Pool gradually shifts from helping grow retirement assets to helping protect capital and investment gains as the target retirement year approaches. The Pyramis Core Lifecycle Commingled Pools Class V are designed for investors expecting to retire around the year indicated in each pool s name. The investment risk of each lifecycle fund changes over time as each fund s asset allocation changes. The funds are 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, commodity-linked, and foreign securities. Principal invested is not guaranteed at any time, including at or after the pool s target date. Fidelity Service Center for Marathon Petroleum and Speedway:
10 If You Don t Choose Investment Options If you do not select investment options for contributions to your Thrift Plan account, they are invested in the Pyramis Core Lifecycle Commingled Pool Class V with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, as shown in the table below. Date of Birth Pyramis Core Lifecycle Commingled Pool Retirement Date Range Before 1938 Pyramis Core Lifecycle Income Commingled Pool Class V Before /1/ /31/1942 Pyramis Core Lifecycle 2005 Commingled Pool Class V /1/ /31/1947 Pyramis Core Lifecycle 2010 Commingled Pool Class V /1/ /31/1952 Pyramis Core Lifecycle 2015 Commingled Pool Class V /1/ /31/1957 Pyramis Core Lifecycle 2020 Commingled Pool Class V /1/ /31/1962 Pyramis Core Lifecycle 2025 Commingled Pool Class V /1/ /31/1967 Pyramis Core Lifecycle 2030 Commingled Pool Class V /1/ /31/1972 Pyramis Core Lifecycle 2035 Commingled Pool Class V /1/ /31/1977 Pyramis Core Lifecycle 2040 Commingled Pool Class V /1/ /31/1982 Pyramis Core Lifecycle 2045 Commingled Pool Class V /1/ /31/1987 Pyramis Core Lifecycle 2050 Commingled Pool Class V /1/ /31/1992 Pyramis Core Lifecycle 2055 Commingled Pool Class V /1/1993 and later Pyramis Core Lifecycle 2060 Commingled Pool Class V and later Date of birth ranges were selected by your Plan sponsor. 1 This investment option will be added to the Thrift Plan after 4 p.m. Eastern time on December 31, Effective January 4, 2016, it will become the Plan Designated Default Investment Option for participants born in 1993 and later. See page 11 for details. Prior to January 4, 2016, the Pyramis Core Lifecycle 2055 Commingled Pool Class V is the Designated Default Investment Option for participants in this age group. Coming Investment Option Changes A number of investment option changes will occur after 4 p.m. Eastern time on December 31, 2015, and what follows is an explanation of the coming changes. The two investment options shown in the table below will become available for you to invest in through the Thrift Plan after 4 p.m. Eastern time on December 31, In addition to the brief commentary below, please see the accompanying New Investment Option Descriptions brochure for more information about these new investment options, including their objective, strategy, and risk. New Investment option Name Ticker Symbol Expense Information Pyramis Core Lifecycle 2060 Commingled Pool Class V N/A 7.04% Vanguard Small-Cap Index Fund Institutional Shares VSCIX 0.08% Expense information is as of October 19,
11 Pyramis Core Lifecycle 2060 Commingled Pool Class V This investment option will be added to the Thrift Plan after 4 p.m. Eastern time on December 31, Beginning on January 4, 2016, it will become the new Designated Default Investment Option for participants born January 1, 1993, and later. See page 11 for more information. Closing Funds Another change effective after 4 p.m. Eastern time on December 31, 2015, is that the Kalmar Growth-with-Value Small Cap Fund Investor Class and Vanguard Small-Cap Value Index Fund Institutional Shares will no longer be available through the Thrift Plan. Future contributions and remaining assets will transfer to the Vanguard Small-Cap Index Fund Institutional Shares. Lower-cost share classes Also effective after 4 p.m. Eastern time on December 31, 2015, lowercost share classes of three existing investment options in the Thrift Plan will replace the current share classes. The fees and expenses of the investments you select have an impact on the overall returns of your investment portfolio. The new share class will offer you the same investment strategy and risk, but the overall expenses will be lower. The new, lower-cost share classes will be: Spartan 500 Index Fund Fidelity Advantage Institutional Class Spartan International Index Fund Fidelity Advantage Institutional Class Vanguard Total Bond Market Index Fund Institutional Plus Shares Fidelity Service Center for Marathon Petroleum and Speedway:
12 How Assets and Future Contributions Will Transfer to the New Investment Options See the chart below for details on how your balances and future contributions will transfer after 4 p.m. Eastern time on December 31, 2015, if you take no action. If you do not want these changes to take place, you can take action as explained in the What Do I Need to Do? section on page 12 of this newsletter. All existing balances in and future contributions being directed to the funds in the left-hand column in the chart below will be transferred to the investment options in the right-hand column. The transfer of balances will appear as an exchange on your account history and statement. Old Investment Options Kalmar Growth-with-Value Small Cap Fund Investor Class Ticker Symbol: KGSCX Expense Ratio: 1.34% Spartan 500 Index Fund Institutional Class Ticker Symbol: FXSIX Expense Ratio: 0.05% Spartan International Index Fund Institutional Class 2 Ticker Symbol: FSPNX Expense Ratio: 0.095% Vanguard Small-Cap Value Index Fund Institutional Shares Ticker Symbol: VSIIX Expense Ratio: 0.08% Vanguard Total Bond Market Index Fund Institutional Shares Ticker Symbol: VBTIX Expense Ratio: 0.06% Expense ratios and information are as of October 19, u u u u u New Investment Options Vanguard Small-Cap Index Fund Institutional Shares Ticker Symbol: VSCIX Expense Ratio: 0.08% Spartan 500 Index Fund Fidelity Advantage Institutional Class Ticker Symbol: FXAIX Expense Ratio: 0.025% Spartan International Index Fund Fidelity Advantage Institutional Class 2 Ticker Symbol: FSPSX Expense Ratio: 0.075% Vanguard Small-Cap Index Fund Institutional Shares Ticker Symbol: VSCIX Expense Ratio: 0.08% Vanguard Total Bond Market Index Fund Institutional Plus Shares Ticker Symbol: VBMPX Expense Ratio: 0.05% 2 This fund has a short-term redemption fee of 1% for fee-eligible shares held less than 90 days. A short-term redemption fee will not be charged as part of this reallocation. However, if you request a change before or after the transition without satisfying the required holding period, you may incur a short-term redemption fee. Real-time Traded Stock Information The deadline for requesting exchanges from Marathon Petroleum Corporation Stock Fund (MPC Stock) or Marathon Oil Corporation Common Stock (MRO Stock), which are real-time traded, to any of the closing funds is 4 p.m. Eastern time on December 28, Any good til canceled orders involving selling MPC or MRO and buying any of the closing funds will be canceled after 4 p.m. Eastern time on December 28, Also, any good til canceled orders involving selling any of the closing funds and buying MPC Stock will be canceled after 4 p.m. Eastern time on December 31,
13 New Designated Default Investment Option for Participants Born On or After January 1, 1993 If you were born on or after January 1, 1993, and have not chosen investments: Your future contributions will begin being invested in the Pyramis Core Lifecycle 2060 Commingled Pool Class V on January 4, If you don t want this to happen, see the What Do I Need to Do? section on page 12. (If you elected the Pyramis Core Lifecycle 2055 Commingled Pool Class V, your future contributions will not be transferred.) Your assets that were defaulted into the previous Designated Default Investment Option for your age group, the Pyramis Core Lifecycle 2055 Commingled Pool Class V, will remain there unless you take action to transfer them to a different investment option. Please also see the Plan Designated Default Investment Option notice accompanying this newsletter for additional information. Old Investment Options Pyramis Core Lifecycle 2055 Commingled Pool Class V Ticker Symbol: N/A Expense Information: 0.50% (Future contributions only for participants born on or after January 1, 1993, who have not chosen investments. No other future contributions and no assets will transfer.) u New Investment Options Pyramis Core Lifecycle 2060 Commingled Pool Class V Ticker Symbol: N/A Expense Information: 7.04% Expense information is as of October 19, The expense information for Pyramis Core Lifecycle 2060 Commingled Pool Class V reflects an estimate of expenses as of the inception date of May 6, It is anticipated that, over time, the Pyramis Core Lifecycle 2060 Commingled Pool Class V expenses will become more aligned with the Pyramis Core Lifecycle Commingled Pool Class V series expenses. Fidelity Service Center for Marathon Petroleum and Speedway:
14 What Do I Need to Do? If you hold one of the closing funds listed in the chart on page 10 and are satisfied with how your future contributions and assets will transfer, no action is required on your part. However, if you do not want these changes to take place, you must contact Fidelity Investments before 4 p.m. Eastern time on December 31, 2015, and complete a change of investments. If you were born on or after January 1, 1993, and haven t chosen investment elections and are satisfied with how your future contributions will be invested as shown in the chart on page 11, no action is required on your part. However, if you do not want this change to take place on January 4, 2016, you must contact Fidelity Investments before 4 p.m. Eastern time on December 31, 2015, and elect investments. You can also wait until after your future contributions and/or assets have been transferred as explained in this newsletter and then move them to another Thrift Plan investment option. To change your investment elections, log on to Fidelity NetBenefits at marathonpetroleum or call the Fidelity Service Center for Marathon Petroleum and Speedway toll free at Representatives are available to assist you Monday through Friday, excluding New York Stock Exchange holidays except Good Friday, between 8:30 a.m. and midnight Eastern time. Additional Consideration If you are currently using the Rebalance Notification feature offered through the Thrift Plan, you may need to adjust your rebalance elections given the changes to the Plan lineup. If you have one of the closing funds in your investment mix, you will no longer be notified if your account s investment mix strays from the original specification after they are removed from the Plan. If you newly enroll in the Thrift Plan prior to 4 p.m. Eastern time on December 31, 2015, the new investment options will not yet be available for you to choose. If you want to invest in them, you can initially select other investment options and then contact Fidelity Investments in January to change your elections. Also, if you choose any closing investment options while enrolling, your future contribution elections will transfer to the successor fund after 4 p.m. Eastern time on December 31, Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. 12
15 Investing involves risk, including risk of loss. A mutual fund expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percent of the fund s total net assets. For other types of investments, the figure in the expense ratio field reflects similar information, but may have been calculated differently than for mutual funds. Mutual fund data comes from the fund s prospectus. For non-mutual fund investment options, the information has been provided by the plan sponsor, the investment option s manager, or the trustee. When no ratio is shown for these options it is because none was available. There may be fees and expenses associated with the investment option. Expense information changes periodically. Please consult NetBenefits for updates. This document is only a summary of changes to the Thrift Plan. We cannot explain all of the Thrift Plan details in this booklet and sometimes the general provisions described here may not cover an unusual situation in your case. The detailed Thrift Plan provisions are contained in certain legal documents a formal Plan document and a Trust Agreement. If there is any conflict between this booklet and the Plan s legal documents, the legal documents will control. You can review those documents at the Employer s business office. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved.
16 EPCP B1.100
May, Re: Changes to the State Universities Retirement System Self-Managed Plan
May, 2012 Re: Changes to the State Universities Retirement System Self-Managed Plan State Universities Retirement System reviews the investment options available through the SURS Self-Managed Plan to make
More informationDriving Your Retirement Readiness. A Guide to Publicis Benefits Connection 401(k) Plan Enhancements. Publicis will soon make a number of changes to
Want more to about your future? Driving Your Retirement Readiness. A Guide to Publicis Benefits Connection 401(k) Plan Enhancements. Publicis will soon make a number of changes to the Publicis Benefits
More informationYour 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 informationStandard 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 informationTennessee Valley Authority Retirement System. Decision Guide
Tennessee Valley Authority Retirement System 401(k) Plan N e w I n v e st m e n t Li n e u p Decision Guide 401(k) PLAN The TVA 401(k) Plan (the Plan) is an important part of your overall benefits package.
More informationChanges to the Plan 10/1/2018 Changes to the Plan 10/1/2018
Changes to the Plan 10/1/2018 Changes to the Plan 10/1/2018 1 Wesleyan University's 403(b)(7) Retirement Plan Changes 10/1/2018 Wesleyan University is pleased to introduce a new investment lineup to help
More informationSince you have a balance in one or both of these funds, see below and the following pages for more information about how you will be impacted.
June 2012 Re: Investment Options Changes in the TVA 401(k) Plan Dear 401(k) Plan Participant: The TVA Retirement System Board of Directors periodically reviews the investment options available through
More informationStandard 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 informationPlan 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 informationYour 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 informationYOUR 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 informationEmployee Savings Plan. 401(k) Transition Guide
Employee Savings Plan 401(k) Transition Guide At Newell Brands, we re committed to making life better every day. That s why we re introducing the Newell Brands Employee Savings Plan, a new 401(k) plan
More informationRE: Changes to the Engility Master Savings Plan (the 401(k) Plan) Investment Lineup
November 30, 2016 RE: Changes to the Engility Master Savings Plan (the 401(k) Plan) Investment Lineup Dear Participant: Engility is focused on providing you with the best opportunity to help you prepare
More informationCHI. 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 informationPUBLICIS BENEFITS CONNECTION 401(k) PLAN ELIGIBLE AUTOMATIC CONTRIBUTION ARRANGEMENT NOTICE QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE
PUBLICIS BENEFITS CONNECTION 401(k) PLAN ELIGIBLE AUTOMATIC CONTRIBUTION ARRANGEMENT NOTICE QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE Saving for retirement under the Publicis Benefits Connection
More informationRe: Changes to the Chevron Phillips Chemical Company LP 401(k) Savings and Profit-Sharing Plan (the Plan )
February 27, 2015 Re: Changes to the Chevron Phillips Chemical Company LP 401(k) Savings and Profit-Sharing Plan (the Plan ) The Chevron Phillips Chemical Company LP Investment Committee ( Committee )
More information401(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 informationLife is a Journey. The University System of Maryland Retirement Plans
Life is a Journey R E T I R E M E N T A D E S T I N AT I O N The University System of Maryland Retirement Plans Fidelity Can Help Your Every Step of the Way. Online Log on to netbenefits.com/usm the home
More informationFuture. Working Together For Your. Montefiore Medical Center Retirement Program Transition Guide
Working Together For Your Future Montefiore Medical Center Retirement Program Transition Guide One-on-one Consultations Target Date Funds Mobile Tools and Resources Get ready for the changes ahead Fidelity
More informationMontgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity
Montgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity At Montgomery County Public Schools, we re committed to offering you resources to help you map out your retirement
More informationFrequently asked questions pertaining to Roth 401(k) contributions, after-tax contributions and the Roth in-plan conversion feature
Frequently asked questions pertaining to Roth 401(k) contributions, after-tax contributions and the Roth in-plan conversion feature Is a Roth 401(k) in-plan conversion right for you? The following frequently
More informationEnrollment 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 informationWorking 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 informationTRU Partnership Employees Savings and Profit Sharing Plan (Puerto Rico)
TRU Partnership Employees Savings and Profit Sharing Plan (Puerto Rico) This document is a Summary Plan Description (SPD), as defined by the Employee Retirement Income Security Act of 1974 (ERISA), of
More informationYOUR 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 informationOptional Retirement Program & Tax Sheltered Annuity Plan Overview Guide
Optional Retirement Program & Tax Sheltered Annuity Plan Overview Guide GET READY FOR THE CHANGES AHEAD Starting this fall, new investment options will be available through Fidelity Investments, TIAA,
More informationVassar College 403(b) Retirement Plan Website USER GUIDE _02_BRO_Vassar_UserGuide.indd 1
Vassar College 403(b) Retirement Plan Website USER GUIDE 32281_02_BRO_Vassar_UserGuide.indd 1 Vassar College is pleased to announce that effective April 3, 2017, we will offer one website and one phone
More informationgreat 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 informationChanges to the OhioHealth Retirement Savings Plan
March 2019 Re: Changes to the investments in the OhioHealth Retirement Savings Plan on April 30, 2019 Dear Associate: OhioHealth is committed to periodically reviewing the OhioHealth Retirement Savings
More informationNo matter where you are in your journey, we can help you map out the retirement you envision.
UCHealth Retirement Savings Plans No matter where you are in your journey, we can help you map out the retirement you envision. Your guide to the investment changes effective January 2, 2018, in the UCHealth
More information403(b) Retirement Plan 101. Basics and Beyond
403(b) Retirement Plan 101 Basics and Beyond Agenda Enroll Contribute Invest Next Steps Why should you save in your plan? ENROLL Convenience Tax advantages Compounding growth potential Employer match Reasons
More informationBuild a retirement with a plan that s engineered for the finest maritime workforce.
MEBA Pension Trust Money Purchase Benefit Plan Build a retirement with a plan that s engineered for the finest maritime workforce. Your MEBA Pension Trust Money Purchase Benefit Plan (MPB) will transition
More informationemployee 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 informationHESS CORPORATION EMPLOYEES SAVINGS PLAN
HESS CORPORATION EMPLOYEES SAVINGS PLAN TRANSITION GUIDE JANUARY 2017 Guiding you through the exciting changes ahead The Hess Corporation Employees Savings Plan is a 401(k) plan that helps provide retirement
More informationUnderstanding important upcoming changes to the County of Sacramento Deferred Compensation Plan
Understanding important upcoming changes to the County of Sacramento Deferred Compensation Plan Agenda What is changing and when? What is staying the same? What does the new fund lineup look like? What
More informationUSNH Enrollment Guide for New Hires/First Time Enrollees
USNH Enrollment Guide for New Hires/First Time Enrollees Welcome to the USNH 403(b) and 457(b) Retirement Plans! Start investing in your future and yourself today. The Plans offer Fidelity Investments
More informationBrandeis Retirement Planning Website User Guide
Your Brandeis University Defined Contribution Retirement Plan Brandeis Retirement Planning Website User Guide No matter where you are in your journey, we can help you map out the retirement you envision.
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 The is merging with the Bass Pro Group, LLC 401(k) Plan this January. Bass Pro Shops and Cabela s will soon have a unified 401(k) retirement savings program
More informationIMPORTANT INFORMATION ABOUT THE RETIREMENT REDESIGN. Your Transition Guide November 2018
my IMPORTANT INFORMATION ABOUT THE RETIREMENT REDESIGN Your Transition Guide November 2018 If you need this information in an alternate format, please contact the Human Resource Information Center at 919-684-5600.
More informationYOUR 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 informationGet 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 informationUser Guide. MCV Associated Physicians 403(b) Plan and 401(a) Retirement Plans. VCU Health System
VCU Health System User Guide MCV Associated Physicians 403(b) Plan and 40(a) Retirement Plans At MCV Associated Physicians, we re committed to offering you resources to help you map out the retirement
More informationBORGWARNER INC. RETIREMENT SAVINGS PLAN SUMMARY PLAN DESCRIPTION JANUARY 1, 2017
BORGWARNER INC. RETIREMENT SAVINGS PLAN SUMMARY PLAN DESCRIPTION JANUARY 1, 2017 TABLE OF CONTENTS Page INTRODUCTION AND HIGHLIGHTS... 1 ELIGIBILITY... 7 CONTRIBUTIONS... 9 LIMITATIONS... 19 VESTING...
More informationYOUR 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 informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
More informationWorkplace Education Series
Making the Most of Your Workplace Savings MGM Benefits Group and Financial Benefit Services Richardson, TX Maximize your retirement savings opportunities Let s explore: Steps to help you make the most
More informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
More informationPlanning for Your Future
Planning for Your Future Making the most of your retirement benefits Whether your retirement is right around the corner or decades away, planning ahead is key. Use This Decision Guide to Learn How: The
More informationYOUR 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 informationYOUR 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 informationThe new fee deductions will appear as separate line items on your quarterly account statement.
March 2016 Re: Changes to the BMC Software, Inc. 401(k) Plan Dear BMC 401(k) Plan Participant: Your BMC 401(k) Plan (the Plan ) is a key benefit, and it s important that you re informed about changes to
More informationThe Churchill Benefit Corporation 401(k) Savings Plan
The Churchill Benefit Corporation 401(k) Savings Plan There are many great benefits to being part of the The Churchill Benefit Corporation 401(k) Savings Plan. Among those benefits is exceptional customer
More informationGetting Started Retirement Plan Details Retirement Plan Details Quick Guide Emory University 403(b) Retirement Plan...
Discover Your Retirement Options - 2018 1 Table of Contents... Getting Started... 4 Retirement Plan Details... 7 Retirement Plan Details Quick Guide.... 7 Emory University 403(b) Retirement Plan.... 8
More informationYOUR 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 informationwelcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision.
welcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision. A Guide to the Transition Ahead We re committed to offering
More informationPACCAR Inc Savings Investment Plan (SIP)
PACCAR Inc Savings Investment Plan (SIP) August 1, 2016 Dear PACCAR Employee, PACCAR provides excellent retirement benefits through its company-sponsored 401(k) plan the PACCAR Inc Savings Investment Plan
More informationYour guide to Fidelity NetBenefits
Your guide to Fidelity NetBenefits Includes simple steps to: Access and log into Fidelity NetBenefits... Navigate the Home Page... Review Investment Options and Performance... Change Your Savings Plan
More informationComputer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE. Helping you build a reliable plan for your future.
Computer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE Helping you build a reliable plan for your future. Computer Task Group, Inc. 401(k) Retirement Plan No matter where you are in your journey,
More informationClick a link below to quickly find an answer to your question
CBRE 401(k) Plan FAQs *Updated* as of September 22, 2017 Click a link below to quickly find an answer to your question Key Dates and Blackout Period Contributions Loans and Withdrawals Asset Transfer and
More informationGetting 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 informationemployee 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 informationYOUR 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 informationThe PERAPlus 457 Plan is a voluntary retirement benefit plan that offers you one of the best opportunities to save for your retirement.
You have a plan. Eligibility All employees working for an employer who has affiliated with the PERAPlus 457 Plan and retirees who have returned to work for PERAPlus 457-affiliated employers, are immediately
More informationUNT System ORP and TSA Retirement Program Changes Questions & Answers click to view
click to view The Retirement Redesign 1. Why is UNT System redesigning the retirement plans?...2 2. Who is impacted by the redesign?... 2 3. What was the decision making process?... 2 4. When will these
More informationYour 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 informationMAXIMIZE YOUR SAVINGS
MAXIMIZE YOUR SAVINGS In the Lam Research 401(k) Plan and Other Plans WHAT S INCLUDED Click directly on the section to the right to move to that section. >> Increased Savings and Tax Flexibility Build
More informationGetting 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 informationVanderbilt University Medical Center Retirement Plan Enrollment Guide
Vanderbilt University Medical Center Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. The Vanderbilt University Medical Center (VUMC) offers
More informationAnnual Disclosure Packet
Annual Disclosure Packet ENCLOSED YOU WILL FIND THE REQUIRED ANNUAL DISCLOSURES AND NOTICES: Summary Annual Report for CoorsTek LLC Savings and Investment Plan 401(k).... 1 Annual Notices for the CoorsTek
More informationYOUR 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 informationENGILITY MASTER SAVINGS PLAN
ENGILITY MASTER SAVINGS PLAN SUMMARY PLAN DESCRIPTION Effective January 1, 2017 Engility Corporation offers eligible employees the right to participate in the Engility Master Savings Plan (the MSP ). Under
More informationYOUR 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 informationYour guide to making distribution elections for your BP non-qualified savings plan account(s) on Fidelity NetBenefits.
Your guide to making distribution elections for your BP non-qualified savings plan account(s) on Fidelity NetBenefits. Getting Started To access the Fidelity NetBenefits website: Enter www.netbenefits.com/bp
More information401(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 informationBeth Israel Deaconess Medical Center 401(k) Retirement Plan. Start investing in yourself today, with help from BIDMC 401(k) Plan and Fidelity.
Beth Israel Deaconess Medical Center 401(k) Retirement Plan Start investing in yourself today, with help from BIDMC 401(k) Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish
More information401(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
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
More informationAnnouncing Lower-Cost Funds with share class changes and the addition of Fidelity Freedom K Funds in Early May 2012
March, 2012 Announcing Lower-Cost Funds with share class changes and the addition of Fidelity Freedom K Funds in Early May 2012 Dear County of Sacramento 401(a) and Deferred Compensation Plan Participant:
More informationYour University of Virginia Retirement Plan Transition Guide. A heritage of innovation to help you take on the future.
Your University of Virginia Retirement Plan Transition Guide A heritage of innovation to help you take on the future. 113766_02_BRO_UVA_TBRO.indd 1 It s a great time to take advantage of your University
More informationYOUR 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 informationYour Arizona University System Optional Retirement Plan Transition Guide
Your Arizona University System Optional Retirement Plan Transition Guide Guiding you through the retirement plan changes ahead. Inside are details about the transition of the Arizona University System
More informationYour 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 informationYour University of Virginia Retirement Plan. Guiding you through exciting plan changes ahead
Your University of Virginia Retirement Plan Guiding you through exciting plan changes ahead It s a great time to review your University of Virginia retirement benefits The University of Virginia has selected
More informationFit for Retirement: A Guide to Changing Your Investments
Fit for Retirement: A Guide to Changing Your Investments Dear RIT Colleague, In our previous communications regarding the simplification of RIT s Retirement Savings Plan, we identified what changes will
More informationYOUR GUIDE TO GETTING STARTED
The Retirement Savings Plan of the Presbyterian Church (U.S.A.) Plan No. 57887 Invest in your retirement and yourself today, with help from The Retirement Savings Plan of the Presbyterian Church (U.S.A.)
More informationHelping bring health & well-being to your financial future. Your Bon Secours Retirement Savings Plan Enrollment Guide
Helping bring health & well-being to your financial future Your Bon Secours Retirement Savings Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Employee:
More informationInvest in your retirement and yourself today, with help from the TVA 401(k) Plan and Fidelity.
Recreate PMS Tennessee Valley Authority Savings & Deferral Retirement Plan Invest in your retirement and yourself today, with help from the TVA 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest
More informationImportant Notice Concerning Your Transition to the Frontier Communications 401(k) Savings Plan
Important Notice Concerning Your Transition to the Frontier Communications 401(k) Savings Plan This notice is to inform you that you will become a participant in the Frontier Communications 401(k) Savings
More informationYour Plan Transition Guide
Focus on your future with your workplace savings plan Carpetland U.S.A. of Davenport, Inc. 401(k) Profit Sharing Plan and Trust Your Plan Transition Guide We are pleased to announce that effective November
More informationYOUR USER GUIDE FOR THE. NMH Retirement Savings Website. Northfield Mount Hermon Retirement and Savings Plan
YOUR USER GUIDE FOR THE NMH Retirement Savings Website Northfield Mount Hermon Retirement and Savings Plan To all Northfield Mount Hermon employees: Northfield Mount Hermon is pleased to share the NMH
More informationYour guide to making distribution elections for your BP non-qualified savings plan account(s) on Fidelity NetBenefits.
Your guide to making distribution elections for your BP non-qualified savings plan account(s) on Fidelity NetBenefits. Getting Started To access the Fidelity NetBenefits website: Enter www.netbenefits.com/bp
More informationAON SAVINGS PLAN SUMMARY PLAN DESCRIPTION
AON SAVINGS PLAN SUMMARY PLAN DESCRIPTION Savings Plan 04/2017 Contents Savings Plan Introduction...1 Plan Eligibility...3 When You Become Eligible...3 Enrolling in the Plan...4 If You Leave the Company
More informationtake a few minutes to review the pages that follow to see how to get started.
Picture Your Future Join the SABIC U.S. Employee Retirement Savings Plan today! You've received this booklet because you're eligible to join the SABIC U.S. Employee Retirement Savings Plan (the "Plan").
More informationYOUR GUIDE TO GETTING STARTED
THE OHIO STATE UNIVERSITY 403(b) RETIREMENT PLAN Invest in your retirement and yourself today, with help from The Ohio State University 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationSavings & Matching Retirement Plan Quick Guide Fidelity Investments... TIAA Contact Information... Glossary of Terms...
EMORY HEALTHCARE Table of Contents Getting Started... 4 Retirement Plan Details Savings & Matching Retirement Plan Quick Guide.... Emory Healthcare 403(b) Retirement Plan.... Emory Healthcare Roth 403(b)
More informationMerrill 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 informationYOUR 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 informationWestinghouse Electric Company Savings Plan. Summary Plan Description (SPD)
Westinghouse Electric Company Savings Plan Summary Plan Description (SPD) Revised June 1, 2012 This booklet is a summary of the plan document that constitutes the Westinghouse Electric Company Savings
More informationPrecision Strip Retirement and Savings Plan
Precision Strip Retirement and Savings Plan There are many great benefits to being a participant in the Precision Strip Retirement and Savings Plan. Among those benefits is exceptional customer service
More informationLooking 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 informationYour guide to Fidelity NetBenefits
Your guide to Fidelity NetBenefits Includes simple steps to: Access and log into Fidelity NetBenefits Navigate the Home Page Review Investment Options and Performance Change Your Contribution Update Your
More information