Guide to Your Retirement Plan Statement

Transcription

1 Guide to Your Retirement Plan Statement Reviewing your account information ha never been eaier. Your Retirement Plan tatement have been updated with: n A new eay-to-read deign n A concie ummary of your account() n Recap of contribution and other key data from your account Pleae take a moment to review thi ueful information. Thi guide repreent feature typically common to retirement plan and tatement. You can review your actual tatement anytime at your convenience log on to Benefit OnLine at

2 Statement Summary Front Page FOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE AND MORE SUMMARY OF YOUR PLANS OCTOBER 1, 2008 DECEMBER 31, 2008 Participant Name Addre Line 1 City, State Zip Code 401(k) PLAN(S) TOTAL CURRENT VALUE: $60, Your Rate of Return Beginning Balance Ending Balance Veted Balance % For Thi Period 401(k) Plan 1 $52, $55, $44, Total Outtanding Loan 5, ASSET ALLOCATION Thi pie chart how the current aet allocation for your plan() TOTAL AGGREGATE PLAN VALUE $60, Total aggregate plan value of plan diplayed on thi tatement, a calculated according to the term and condition. 9. IMPORTANT NEWS ABOUT YOUR PLAN Benefit OnLine, your plan Web ite, ha educational material and information to help you take charge of your financial future. Log on to Inveting. You ll find expanded acce to inveting information, tool, planning fact and rik aement guide to help you make the mot of your retirement aving! Now you can acce your tatement, confirmation and propectue online without having to wait for the mail. Simply log on to Benefit OnLine at and elect Delivery Preference under the Quick Link to ign up for e-delivery of your document. You ll be notified via when your document are available. You can find fund document, including a propectu, emiannual and annual report, a well a other performance data by logging in to Benefit OnLine at Pleae review your tatement and advie Merrill Lynch if you find dicrepancie in your peronal or account information. If we do not hear from you within 30 day, we will aume that all information i correct. TO CONTACT MERRILL LYNCH (800) , 8 AM 7 PM ET Outide USA: (609) TTD (hearing impaired): (866) TO CONTACT YOUR FINANCIAL ADVISOR, JOHN SMITH Call: (999) TO CONTACT ABC Company Benefit Department (999) , 9 AM - 5 PM ET 1 SUMMARY OF YOUR PLANS Benefit OnLine Web ite addre Eay acce to all your account information, virtually 24/7. 2. Total Aggregate Plan Value Total value of all plan() diplayed on thi tatement, a calculated according to plan term and condition. 3. Beginning Balance The market value of the aet held in your account a of the opening date of the reporting period. The tatement reporting period i located in the upper left corner of your tatement. 4. Ending Balance The market value of the aet held in your account a of the cloing date of the reporting period, not including any outtanding loan balance. 5. Total Current Value The total market value of your account() a of the cloing date of the reporting period, including any outtanding plan loan you may have. 6. Veted Balance The total veted market value of your account, which you are entitled to receive even if you terminate employment with your company. Doe not include loan balance. 7. Rate of Return % for thi period Percentage increae or decreae in the market value of the aet held in your account for reporting period. Thi i an etimate of your invetment return baed on account data a of the end of the reporting period. The etimate wa calculated uing a widely accepted, time-weighted daily valuation method. The return i baed on the reult of your invetment election a well a account activity. Other method of calculating return may yield different reult. Pat performance i no guarantee of future reult. 8. Aet Allocation Pie chart ummarizing how your account i currently inveted in major aet clae. 9. Important New About Your Plan Meage to help you make the mot of the Plan.

3 Activity Detail Section ACTIVITY DETAIL OCTOBER 1, 2008 DECEMBER 31, (k) PLAN(S) CONTRIBUTIONS AND ACTIVITY FOR THIS PERIOD 401(k) Plan Beginning Balance $52, Employee Contribution Employee Pre Tax After Tax Roth 401(k) Your Total Contribution 1, Employer Contribution ABC Company match Profit Sharing Safe Harbor Match Total Employer Contribution 1, Loan Repayment Principal Interet Total Loan Repayment Other Activity Interet, Dividend/Other Credit Withdrawal/Debit 0 Fee 0 Change in Value Ending Balance $55, Veted Balance $44, Total Outtanding Loan $5, CONTRIBUTIONS THIS YEAR Employee Contribution 12, Employer Contribution 5, Total Contribution $17, PARTICIPANT NAME YOUR PERSONAL RATE OF RETURN 12 Month 3 Year 5 Year 401(k) Plan 6.87% 9.82% 10.51% YOUR SAVINGS ELECTIONS Pre-Tax Roth After Tax Saving 401(k) Saving 401(k) Plan 12.00% 3.00% 5.00% IMPORTANT INFORMATION ABOUT YOUR 401(K) CONTRIBUTIONS A a reminder, you were automatically enrolled in the 401(k) and have a pre-tax contribution rate of x%. For your account invetment direction, pleae ee the Invetment Summary ection. To change your contribution rate, invetment direction or opt out at any time, go to Benefit Online at or call (800) Your catchup contribution and applicable earning are included in Contribution and Activity For Thi Period. Your catch up contribution aving rate i xx%. You have contributed $x,xxx.xx for thi period and $x,xxx.xx year to date. Your Roth 401(k) catch up contribution aving rate i xx%. You have contributed $x,xxx.xx for thi period and $x,xxx.xx year to date. Your plan enrollment include automatic increae in Employee Pre Tax contribution of 1% annually, up to a maximum of 10% of pay. To change or top contribution at any time, go to Benefit OnLine at or call (800) You have elected to make Roth 401(k) contribution. To meet the requirement for a tax-free qualified ditribution, thee contribution mut remain in your account for at leat five year from 2006, the year of your initial Roth contribution and until you reach age , become diabled or die (K) PLANS Beginning Balance The market value of the aet held in your account a of the opening date of the reporting period. 2. Employee Contribution Total contribution you have made for the reporting period. 3. Employer Contribution Total contribution your employer ha made to your account for the reporting period. 4. Loan Repayment If you have a plan loan, total loan repayment made during the reporting period. 5. Other Activity Change that may affect your account balance during the reporting period, including thee categorie: a. Interet, dividend/other credit added to your account (thee amount are reinveted automatically) b. Withdrawal/debit reduce account balance c. Fee reduce your account balance and may include loan fee and/or ditribution fee (Detailed Tranaction and Invetment Activity i available on the Benefit OnLine webite at 6. Change in Value The aggregate increae or decreae in the market value of the aet held in your account, a well a tranaction uch a addition, withdrawal, fee and tranfer, during the reporting period. 7. Ending Balance The market value of the aet held in your account a of the cloing date of the reporting period, including all amount decribed in the prior item. 8. Veted Balance The amount that i your to keep baed on your time working for the company and the plan veting requirement. 9. Total Outtanding Loan The aggregate amount of all outtanding plan loan you may have. Loan are reported eparately from total aet becaue they are not an aet of your account. 10. Contribution Thi Year Year-to-date dollar amount of your Employee Contribution, and any Employer Contribution made to your account, total of your Employee and Employer contribution. 11. Your Peronal Rate of Return Percentage increae or decreae in the market value of plan aet held in your account for the prior 12 month, 3 year and 5 year.* 12. Your Saving Election Percentage of your eligible compenation or dollar amount that you are contributing. 13. Important Information About Your 401(k) Contribution Reminder and information that may be of interet to you. * Thee are etimate of your invetment return baed on account data for the period lited. The etimate were calculated uing a widely accepted, time-weighted daily valuation method. The return i baed on the reult of your invetment election a well a account activity. Other method of calculating return may yield different reult. Pat performance i no guarantee of future reult.

4 Activity Detail Section 3 ACTIVITY DETAIL OCTOBER 1, 2008 DECEMBER 31, 2008 PARTICIPANT NAME a. b. c. 401(k) PLAN(S) CONTINUED INVESTMENT SUMMARY CURRENT INVESTMENT DIRECTION 401(k) Plan 1 Ending Share/Unit Fund (Symbol) Share/Unit Price Ending Balance EQUITY/STOCK $22, ABC Company Stock (ABC) 20% $50.00 $7, Small Cap Fund (ABCIX) Balanced Fund (ABCIX) 20% , Growth Fund (ABCIX) , FIXED INCOME/BOND $25, ABC Fixed Income Fund (ABCIX) 20% 1, $15, DEF Total Return Bond Fund (ABCIX) , XYZ Bond Fund (ABCIX) 20% , MONEY MARKET/ STABLE VALUE $7, ABC Perervation Trut () 20% , Total 100% $55, YOUR PERSONAL INFORMATION 401(k) Plan 1 Current Statu: Active Hire Date: MM/DD/YY Adjuted Hire Date: MM/DD/YY Plan Entry Date: MM/DD/YY Employee Number: Location: Home Office 6 401(K) PLANS Invetment Summary A fund-by-fund ummary of your invetment in your plan() a of the cloing date of the reporting period. 2. Fund (Symbol) The fund in which your account i inveted and each fund ticker ymbol, if applicable. Fund are lited in group according to aet cla, for example: a. Equity/Stock b. Fixed Income/Bond c. Money Market/Stable Value (ometime called cah equivalent ) 3. Current Invetment Direction The percentage of your future contribution that i currently being inveted in each fund (total 100%). 4. Ending Share/Unit Number of hare or unit of each invetment held in your account a of the cloing date of the reporting period. 5. Share/Unit Price Share or unit price of each fund held in your account a of the cloing date of the reporting period. 6. Ending Balance Price per hare or unit multiplied by the number of hare/unit held in your account. 7. Your Peronal Information Provide key data about you currently on file.

5 Fund Performance Data In your tatement Once a year your tatement will include performance data for all the fund offered in your Plan. Here what you ll find: 1. Fund Name Each fund and it correponding index, categorized by invetment objective. 2. Ticker Symbol Symbol for each fund (if applicable) for eay look-up. 3. Yearly Total Return Percentage Yearly return percentage for the latet quarter and year-to-date. 4. Average Annual Total Return Percentage Include average annual total return percentage for one, five and ten year (if available). INVESTMENT DETAIL OCTOBER 1, 2008 DECEMBER 31, 2008 FUND PERFORMANCE CAPITAL PRESERVATION FUNDS INCOME FUNDS GROWTH AND INCOME FUNDS PARTICIPANT NAME GROWTH EQUITY FUNDS Lower Rik/ A B C D HIgher Rik/ Lower Potential Reward eek to maintain the invet in ecuritie and bond eek a combination of curent eek to increae the value Higher Potential Reward money that you invet. that have the potential to earn income and capital appreciation. if your invetment over teady income in the form of a number of year. interet and dividend. B C A D Yearly Total Return % Average Annual Total Return % Gro Expene For the Year Since Symbol Ratio % Quarter to Date 1 Year 5 Year 10 Year Inception Inception Date CAPITAL PRESERVATION FUNDS eek to maintain the money that you invet. MONEY MARKET/STABLE VALUE ABC Preervation Trut /01/1996 US Corporate Government Index ABC Stable Value Trut /16/1997 Money Market Fund Average INCOME FUNDS invet in ecuritie and bond that have the potential to earn teady income in the form of interet and dividend. FIXED INCOME/BONDS ABC Fixed Income Fund 2. ABCIX /15/1995 Intermediate Invetment Grade Debt Fund Average DEF Total Return Bond Fund DEFTR /12/2004 Intermediate Invetment Grade Debt Fund Average GROWTH AND INCOME FUNDS eek a combination of current income and capital appreciation EQUITY/STOCK XYZ Large-Cap Fund XYZLC /31/1996 Large-Cap Value Fund Average DEF Small-Cap Fund DEFSC /14/2000 Small-Cap Core Fund FUND PERFORMANCE Home Advice & Planning 401(k) > Invetment > Invetment Choice & Performance & INVESTMENTS CHOICES & PERFORMANCES Market 401K Logout Help Sitemap Get Quote: Enter Symbol Enrollment Account Information Invetment Direction Fund Tranfer Account Election Plan Information Plan Selector: ABC Company 401(k) Plan Invetment Select Quick Link (Edit) Printer-friendly Verion The performance data contained herein repreent pat performance, which doe not guarantee future reult. Invetment return and principal value will fluctuate o that hare, when redeemed may be worth more or le than their original cot. Current performance may be lower or higher than the performance data quoted. All total return aume the reinvetment of all dividend and capital gain ditribution at net aet value when paid and do not reflect the deduction of any ale charge, a thee charge are not applicable to thi plan. Had the ale charge been deducted, reult would have been lower than hown. Pleae note that there are other charge and expene that apply to the invetment option, uch a management fee, which are reflected in their net invetment return. On Benefit OnLine You can alway find the latet performance data for all the fund in your Plan on Benefit OnLine. From the 401(k) tab, click Invetment, then Invetment Choice & Performance, then the Average Annual Total Return tab. Invetment Choice Average Annual Total Return Total Return Monthly View Quarterly View The choice hown below are the invetment available through your retirement plan. You currently hold a balance in any invetment with an aterik. Click on the invetment to view additional information. Place your moue over the invetment to view Redemption Fee. Show Only My Invetment will diplay information about fund for invetment. Reult for Month Ending January 31, 2009 Show Benchmark Show Only My Invetment Fund Inception Date Gro Expene Ratio 1 Yr 3 Yr 5 Yr 10 Yr Since Inception EQUITY/STOCK ABC Company Stock DEF Small Cap Fund 06/07/ % % Large-Cap Value Fund Average % 05/28/ % % Small-Cap Core Fund Average % % % % % -9.56% % % % 2.10% -1.15% -2.48% -4.12% 4.09% 0.16% The performance information provided i for illutrative purpoe only. ABC Growth Fund 10/30/1992 Multi-Cap Growth Fund Average 0.59% -3.95% -5.88% -2.01% -1.27% 1.74% 1.04% 2.27% 1.60% 5.13%

6 Acce tatement and more online, anytime 5 Review your tatement online Your newet tatement i alway available on the Home Page of Benefit OnLine, the Plan Web ite. A new tatement will be poted following the end of each reporting period. It may alo be mailed to you at approximately that time. For prior tatement, click Account Information under the 401(k) tab, then Statement. Home My Account Advice & Planning Market Logout Help Sitemap Get Quote: Enter Symbol My Home Meage Center Invetment Holding Sitemap Account Preference Portfolio Aet Allocation ABC Company 401(k) Plan Total Market Value: 401K Download to Quicken Select Quick Link (Edit) Meage Center Announcement $59, Roth 401(k) contribution now available... More Contribution limit increae $59, in More Chooing Online Delivery You can alo elect to receive your tatement excluively online and eliminate hardcopy mailing. You can receive confirmation of tranaction excluively online a well. With Online Delivery, you receive an with a link to Benefit OnLine whenever a new document i available. Reource Center Are you financially prepared? Financial preparedne ha benefit at every tage of your life. Dicover ix thing you can do to get-and keep-your financial houe in order. Borrowing trouble... Let conider the long-term conequence of borrowing againt your 401(k) balance or taking a hardhip withdrawal-the cot may urprie you. Exit Strategie If you re leaving your employer for a new job or for retirement, here what you need to know before you make a deciion about your retirement aving. It' not only what you're aving for... it' when There are many factor to conider when deciding how to invet for the future. Your future income need, your comfort with invetment rik, and the aet you have available to invet are all important conideration. GO *Market value diplayed may include accrual. To elect Online Delivery Log on to n Go to 401(k) Plan > Current Election > Delivery Preference n Follow the prompt to enter your election Click on a pdf icon below to view your tatement. Related Link Statement My Account Performance Merrill Lynch OnLine Merrill Lynch Direct PDF Start Date End Date PDF PDF

7 Enhanced Participant Statement - Frequently Aked Quetion 6 Why did you redeign the tatement? Mot participant want to check their progre, make any adjutment to their account() and get back to their daily routine. The new tatement i imple, clear and concie, giving you a quick overview of your account() without burdening participant with too much information. Where i fund performance information? Your new tatement will include Fund Performance only on an annual bai. However, the mot recent Fund Performance i alway available on the Benefit OnLine Web ite. You can view your Account Performance on your new tatement by looking at the Rate of Return on the firt page and the detail page. Why doe my account balance eem higher than it did on my previou tatement even though I don t think my balance ha increaed? If you have an outtanding loan in your 401(k) plan, the loan balance i now included in the Total Current Value. Previouly, the loan balance wa excluded from the Total Value. Thi wa changed to provide a more conitent experience with Benefit OnLine. How i the Rate of Return calculated? Your cumulative rate of return i calculated uing a timeweighted method known a the modified Dietz formula, which i widely accepted in the financial indutry. Thi method take into account the timing of addition (or ubtraction) to your account. The modified Dietz Formula = (Cloing Balance - Opening Balance - Cah Flow*) divided by (Opening Balance + Weighted Cah Flow). Other rate of return calculation may yield different reult. Where did the Table of Content go? The table of content ha been removed. However, page name can be found in the footer on each page. Where can I find 12-month, 3-year, and 5-year Rate of Return? Rate of Return for the Period can till be found on the Highlight page. The 12-month, 3-year and 5-year rate of return can now be found on the 401(k) and/or NQ detail page. (Not all plan how all ROR time period) Why are my Beneficiary Deignation not howing on the tatement? If you plan offer online Beneficiary Tracking and you do not ee all of your deignation, you can view all your beneficiary deignation on Benefit OnLine. (Not all plan how Beneficiary deignation) Where happened to Detail? Your new tatement contain important information in a ummary view. To view pecific detail relating to your account(), pleae review your account on the Benefit OnLine webite. * Cah flow i defined a activity in and out of your account aide from any fluctuation in the value of your invetment.

8 Merrill Lynch, Pierce, Fenner & Smith Incorporated i a regitered broker-dealer and a wholly owned ubidiary of Bank of America Corporation. Merrill Lynch make available invetment product ponored, managed, ditributed or provided by companie that are affiliate of Bank of America Corporation or in which Bank of America Corporation ha a ubtantial economic interet, including Columbia Management, BlackRock and Nuveen Invetment. Invetment product: Are Not FDIC Inured Are Not Bank Guaranteed May Loe Value Total Merrill (deign) i a regitered ervice mark of Merrill Lynch & Co., Inc. Benefit OnLine i a ervice mark of Merrill Lynch & Co., Inc Merrill Lynch, Pierce, Fenner & Smith Incorporated. All right reerved Member Securitie Invetor Protection Corporation (SIPC) HOME