Business Transformation Project
|
|
|
- Blanche Knight
- 5 years ago
- Views:
Transcription
1 Business Transformation Project GFOASC Fall Conference October 18-21, 2015
2 What is the Business Transformation Project? 2 Collaboration with Public Employee Benefit Authority (PEBA) and its Deferred Compensation Program (Program) Streamline reporting processes and improve efficiencies PEBA contracts with Empower Retirement (Empower) Recordkeeping Administration Communication services
3 3 Business Transformation Project goals Standardize the Program experience for all participants and their employers Maximize the Program s capabilities Drive positive retirement outcomes for Program participants
4 4 Participating employer requirements Effective January 1, 2017, participating employers will be required to provide: All features of the Program; pretax and post- tax (Roth) 401(k) and 457(b) plans Payroll deduction for loan repayments as of January 1, 2015 Secure, electronic remittance of contributions Comprehensive, electronic reporting of participant data through Guided Payroll or Payroll Data Interchange (PDI)
5 5 Employer and participant benefits Demographic Information ensures Empower s records are up- to- date and helps safeguard participant data Providing termination dates results in faster processing of withdrawal requests Providing salary information helps ensure retirement readiness Electronic remittance is the fastest and safest way for Empower to receive and invest participant contributions
6 6 Payroll Data Interchange (PDI) Required for employers with more than 25 employees Comprehensive file of employee information Updated in conjunction with your payroll Employers already gather the required data for payroll administration Eliminates the need for duplicate data entry
7 7 Information included in the PDI Demographic Information - Social Security number (SSN), name, complete address, birthdate, gender, marital status, salary, state of residency Employment information - hire date, termination date, rehire date Contribution information - employee contribution, employer contribution, loan repayment, Roth contributions
8 8 Step- by- step guide Step 1: Complete the Payroll Data form Step 2: Gain access to the Plan Service Center Step 3: Set up electronic banking Step 4: Set up your payroll processing Step 5: Review deferral and loan files
9 9 How do I implement PDI? Your Empower Retirement account manager and Plan Technical Support will be with your every step of the way! Review data requirements for your file Prepare your test file to upload through the PSC website Assist with the mapping process Contact you when Empower is ready to process your first file and work to resolve any issues
10 10 Empower resources Plan Technical Support :30 a.m. to 8 p.m., Monday Friday Caryn Davis caryn.davis@empower- retirement.com Sheila Perkins sheila.perkins@empower- retirement.com Monthly Plan Service Center webinars and online demonstrations of the PSC
11 Additional employer resources 11
12 12 Employer webpage Click on Employers tab Enrollment kits order form Annual Leave worksheet 401(k) Plan document 457(b) Plan document Plan Service Center webinar
13 13 Program procedures New enrollments Employer transfers Contribution changes Annual Leave payout TERI payout
14 contribution limits The 401(k) Plan and 457(b) Plan have separate contribution limits (i.e. contributions to one plan do not count toward the limit of the other plan). 401(k) Plan $18,000 for under age 50 $24,000 for age 50 and older (with age 50+ Catch- Up of $6,000) 457(b) Plan $18,000 for under 50 $24,000 for age 50 and older (with age 50+ Catch- Up of $6,000) Up to $36,000 with Special 457(b) Catch- Up
15 15 Local support Six Retirement Plan counselors, one Retiree Specialist available : New employee orientations Program seminars Employer training on Plan rules Individual account reviews for participants Lunch and Learn Retirement seminars and individual counseling Webinars
16 16 Your local Retirement Plan counselors Territory 1 Brent Railey brent.railey@empower- retirement.com Territory 2 Bill Poletti william.poletti@empower- retirement.com Territory 3 Nancy Ornduff nancy.ornduff@empower- retirement.com Territory 4 Paul Manville paul.manville@empower- retirement.com Territory 5 Rachel Phillips rachel.phillips@empower- retirement.com Territory 6 Jill Daybell jill.daybell@empower- retirement.com
17 17 Your local office Address: 200 Arbor Lake Drive Suite 115 Columbia, SC Phone: SCDCP- retirement.com Fax:
18 Questions? 18
Get set for retirement
Be aware and prepare Get Set for Retirement For employees within a few years of retirement Get set for retirement Are you ready? A sure way to an unsure future is to put off planning for retirement. 2
smart South Carolina Deferred Compensation Program Plan Service Center Guide
South Carolina Deferred Compensation Program Retire from work, not life. smart Plan Service Center Guide Your Resource for Plan Administration Details on how to process your payroll with the South Carolina
Chapter 6 Contribution Remittance Overview
Chapter 6 Contribution Remittance Overview Once deductions have been established on your payroll system, contributions and participant contribution data should be submitted to Transamerica. Employee deferrals
PEBA update 11/13/2017. PEBA update. Navigating your benefits
PEBA update SC Municipal Human Resources Association 2017 Annual Meeting November 9, 2017 PEBA update Navigating your benefits website Retirement benefits Retirement awareness Member Access Ending TERI
FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017
FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017 TABLE OF CONTENTS INTRODUCTION: THE FINRA SAVINGS PLUS PLAN... 1 This Booklet is Only a Summary... 1 Administrative Information... 1 Not a Contract
Plan Administration Guide Automated Services and Data Submission Methods. Version 3.0 August 2015
Plan Administration Guide Automated Services and Data Submission Methods Version 3.0 August 2015 Version 3.0 Page 1 Contents AUTOMATED SERVICES OVERVIEW... 5 GETTING THE DATA TO MASSMUTUAL... 7 OVERVIEW...
DEPARTMENT OF THE ARMY
DEPARTMENT OF THE ARMY OFFICE OF THE DEPUTY CHIEF OF STAFF FOR PERSONNEL, G-1 USACHRA, SOUTHWEST REGION FORT CARSON CIVILIAN PERSONNEL ADVISORY CENTER 1626 Ellis Street, Bldg 1118 FORT CARSON, COLORADO,
Retirement Plans. There are two steps you must complete to enroll in either the LPS 403(b) or 457
Tax Deferred Savings through your Littleton Public Schools 403(b) and 457 Retirement Plans Tax deferred savings plans are special accounts that allow employees to save money for retirement while deferring
Section. Payroll Changes SPONSOR CENTER REPORTS GUIDE FOR DEFINED CONTRIBUTION PLANS
Section A Payroll Changes SPONSOR CENTER REPORTS GUIDE FOR DEFINED CONTRIBUTION PLANS Payroll Changes Table of Contents Topic Page What are Payroll Changes? A-1 Payroll Changes (2 types) Contribution Rate
UNT 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
Sample Process Flows Presentation to Under Armour August 1, 2011
Sample Process Flows Presentation to Under Armour August 1, 2011 Sample Plan-Level Paperless Loan Procedure Paperless Loan Withdrawal Guidelines determined with Under Armour Loan Withdrawal Guidelines
Plan Sponsor Payroll Troubleshooting Guide
Plan Sponsor Payroll Troubleshooting Guide Troubleshooting Common s and s Common s Hire Date Must Be Greater Than Prior Separation From Service Date... p 2 Separation From Service Date Must Be Greater
HCL AMERICA, INC. 401(K) PLAN
HCL AMERICA, INC 401(K) PLAN Principal Life Insurance Company Des Moines, IA 50306-9394 Contract/Plan ID Number 4-50303 Am I eligible for HCL AMERICA, INC 401(K) PLAN? You are eligible to join the plan
MetLife Resources Plan Service Center
MetLife Resources Plan Service Center Online Resource for Plan Administration Table of contents The plan service center... 1 Explore the plan service center.... 2 Plan information... 3 Participant information....
Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice
Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice This Automatic Enrollment, Safe Harbor and Qualified Default
Thank you, Gary D. Campbell, CFA President. Enc. 5. Compliance Employer Vendor Letter
Dear Organization Representative: Thank you for expressing interest in the PCA Retirement Plan. The PCA Retirement Plan is a 403(b)(9) church retirement plan that allows your employees to save while taking
ADP Retirement Services. New Plan Implementation Guide FOR PLAN SPONSOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC.
ADP Retirement Services New Plan Implementation Guide FOR PLAN SPONSOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC. Welcome to ADP We are excited to get your new 401(k) plan started. At ADP, we consistently
Effective May 14, 2014, an after-tax Roth
ACCESSBenefits for Questions and Plan Transactions If you want to elect the after-tax Roth 401(k) option, visit myhr and click on the My Pay & Benefits tab, then select 401(k) from the menu to access your
Ready, Set, Retire. Administered by
Ready, Set, Retire Administered by Agenda Phase One: Save Building a Balanced Retirement plan The Benefits of Saving Through the Texa$aver SM Program Special 457 Catch-Up Phase Two: Distribution Options
Guide to your Year End Compliance Test Package
ADP Retirement Services Guide to your Year End Compliance Test Package Refer to page 4 for important deadlines. ADP, the ADP logo and ADP A more human resource are registered trademarks of ADP, LLC. All
Save. Plan. Retire. Your Retirement Options
Save. Plan. Retire. Your Retirement Options Table of Contents Retirement Phases & Income Needs... 3 Retirement Planning Considerations... 4 How Much Will You Need To Save?... 5 How Long Will Your Savings
South Carolina Retirement System. SCRS Member Handbook. January 2013 Edition. Revised
South Carolina Retirement System SCRS Member Handbook January 2013 Edition Revised 4-1-2013 This handbook provides an overview of benefits as of January 2, 2013 This page contains no other content. Table
THE GUARDIAN FOUNDATION 401(k) Plan Highlights
THE GUARDIAN FOUNDATION 401(k) Plan Highlights Building a Positive Future Day by Day Your financial health and well-being are important to The Guardian Foundation. That s why we offer you The Guardian
Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account
Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of Contents The Fidelity HSA... 1 Opening and Contributing to Your Fidelity HSA... 3 Using Your Fidelity
Pay Period Reporting. Frequently Asked Questions. How to Avoid the 3 Most Common Errors. From Employer Webinar - May/June 2015
End Dates What end date should I use for a teacher who is retiring June 1? What end date should I use when I have an employee retiring on June 1, but the contract ends August 31? If an employee dies and
How to Order an Employment Verification
How to Order an Employment Verification To order an Employment verification, do the following: Some employers require using an alternate Employee ID rather than using a SSN. If this is a requirement for
401(k) PLAN FOR YOUR FUTURE. The Investment Advantage
Payroll HR Admin & Compliance 401(k) & Employee Benefits Tax Filing & Credits Time & Labor Solutions 401(k) PLAN FOR YOUR FUTURE The Investment Advantage Congratulations! You are eligible to participate
Benefits Handbook Date March 1, Marsh & McLennan Companies 401(k) Savings & Investment Plan Marsh & McLennan Companies
Date March 1, 2018 Marsh & McLennan Companies 401(k) Savings & Investment Plan Marsh & McLennan Companies Marsh & McLennan Companies 401(k) Savings & Investment Plan The Marsh & McLennan Companies 401(k)
UNIVERSITY OF MICHIGAN RETIREMENT SAVINGS PLANS. Basic Retirement Plan 403(b) SRA 457(b) Deferred Compensation Plan
UNIVERSITY OF MICHIGAN RETIREMENT SAVINGS PLANS Basic Retirement Plan 403(b) SRA 457(b) Deferred Compensation Plan Benefits Information by Phone Call the SSC HR Contact Center at 734-615-2000 or 866-647-7657
Virginia Retirement System Handbook for Members Hired Before July 1, 2010
Virginia Retirement System Handbook for Members Hired Before July 1, 2010 Plan VRS 1 PROVIDING INFORMATION ABOUT YOUR... retirement benefits resources Plan VRS 1 Virginia Retirement System (VRS) Plan
Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account
Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of Contents The Fidelity HSA...1 Opening and Contributing to Your Fidelity HSA...3 Using Your Fidelity
MUNICIPALITY OF ANCHORAGE. Benefit and Retirement Plans For MOA Benefits Plan Book (Rev 12/20/2013) Page 1
MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2014 Page 1 Table of Contents 2014 Health Plan Summary...Error! Bookmark not defined. Opt-out Program FAQs... 4 2014 Premium Rate Table...Error!
MUNICIPALITY OF ANCHORAGE. Benefit and Retirement Plans For 2011
MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2011 Table of Contents 2011 Health Plan Summary... 1 Opt-out Program FAQs... 2 2011 Premium Rate Table... 3 Benefits:... 4 Retirement:... 6 MOA
UNIVERSITY OF MICHIGAN RETIREMENT SAVINGS PLANS. Basic Retirement Plan 403(b) SRA 457(b) Deferred Compensation Plan
UNIVERSITY OF MICHIGAN RETIREMENT SAVINGS PLANS Basic Retirement Plan 403(b) SRA 457(b) Deferred Compensation Plan Benefits Information by Phone Call the SSC HR Contact Center at 734-615-2000 or 866-647-7657
Benefits Handbook Date September 1, Marsh & McLennan Companies 401(k) Savings & Investment Plan
Date September 1, 2016 Marsh & McLennan Companies 401(k) Savings & Investment Plan Marsh & McLennan Companies Marsh & McLennan Companies 401(k) Savings & Investment Plan The Marsh & McLennan Companies
Maryland Teachers and State Employees Supplemental Retirement Plans. The Basics. 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b)
Maryland Teachers and State Employees Supplemental Retirement Plans The Basics 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b) Maryland Teachers and State Employees Supplemental Retirement Plans Getting started
are pretax deferrals or roth contributions better for your employees?
The Rules of Roth are pretax deferrals or roth contributions better for your employees? INSIDE: A BRIEF HISTORY OF ROTH CREATING AN ACTION PLAN ROTH CHECKLIST Each of your workers has a unique story, and
Your Columbia University Retirement Savings Program
Your Columbia University Retirement Savings Program For Non-Union Support Staff, Employees Represented by Local 2110, Local 100, TWU at Lamont and Supporting Staff Association (SSA) of Columbia University
Mid-Year Benefit Changes
Mid-Year Benefit Changes If you experience a change in your personal or work life that impacts your State Employee Health Plan (SEHP) benefit elections, KU Benefits is ready to help you navigate the change
Vassar 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
Well-being matters. Make the most of yours. paypalbenefits.com. U.S. Benefits Annual Enrollment is November 5 16, New for 2019!
Well-being matters. Make the most of yours. U.S. Benefits Annual Enrollment is November 5 16, 2018. During Annual Enrollment, learn what s new for next year and how to maximize PayPal s benefits. All changes
2018 CHS Retirement Plans Summary
YOUR CHS RETIREMENT PLANS 401(k) RETIREMENT SAVINGS PLAN: Allows teammates to save and invest a portion of their paycheck on a pretax or Roth after-tax basis. Federal and state income taxes on pretax savings,
Welcome to Lending Loop
A Guide to Lending Welcome to Lending Loop A Smarter Way to Lend This guide contains all the information you will need to start lending with Lending Loop. We ve designed our process with you in mind and
ADP Retirement Services. Conversion Implementation Guide FOR PLAN SPONSOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC.
ADP Retirement Services Conversion Implementation Guide FOR PLAN SPONSOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC. Thank you for choosing ADP Retirement Services Welcome to ADP Retirement Services.
Using the Participant Web Site
Using the Participant Web Site https://benefits.paychex.com Participant Resources This site was built with plan participants in mind. With ease, they can: enroll in the plan view account balances get answers
Leidos, Inc. Retirement Plan Summary Plan Description January 1, 2018
Leidos, Inc. Retirement Plan Summary Plan Description January 1, 2018 This summary applies to non-represented participate in the Plan. employees eligible to If you are a bargained employee, please refer
YOUR 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
403(b)(9) Retirement Plan Administration Manual
403(b)(9) Retirement Plan Administration Manual Reviewed 12/2017 403(b)(9) Retirement Plan Administration Manual Table of Contents Introduction... 4 HOW TO USE THIS MANUAL... 4 General administrative responsibilities...
Employer Administration Guide. BenefitWallet Employer Administration Guide
Employer Administration Guide 1 Contents Welcome...3 HSA Fees and Rates...4 USA PATRIOT Act Screening...5 HSA Contribution Limits...6 Frequently Asked Questions...7 Contact Us...9 2 Welcome BenefitWallet
Medtronic Savings and Investment Plan
DB1/ 87571888.13 Medtronic Savings and Investment Plan (Also known as the Medtronic 401(k) Plan ) January 1, 2016 MEDTRONIC SAVINGS AND INVESTMENT PLAN This document is a summary of the Medtronic Savings
Milliken Retirement Plan Safe Harbor Plan Changes Overview
Milliken Retirement Plan 2012 Safe Harbor Plan Changes Overview Overview of safe harbor plan features changes Milliken Retirement Plan Overview of safe harbor plan design Change in vesting schedule Company
D e f e r r e d C o m p e n s a t i o n P l a n A d m i n i s t r a t i o n M a n u a l 457(b)
D e f e r r e d C o m p e n s a t i o n P l a n A d m i n i s t r a t i o n M a n u a l 457(b) 2 Table of Contents Deferred Compensation Plans... 4 Overview of 457(b) Plans... 5 Administration of Plan...
Verizon Savings and Security Plan for Mid-Atlantic Associates
Verizon Savings and Security Plan for Mid-Atlantic Associates Document 1 of 2 Please refer to Your Investment Options in the Verizon Savings and Security Plan for Mid-Atlantic Associates for detailed descriptions
BORGWARNER 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...
Agenda. Stakeholders Meeting. Deferred. Cash Match Plans. Overview of 457 Plan Benefits. Investment Selection and Monitoring. Plan Cost Structure
Key Overview Stakeholders of the Meeting Deferred Compensation and Cash Match Plans Created 8.31.2011 Agenda Review of Available Investments Investment Selection and Monitoring Plan Cost Structure Service
403(b) and 457(b) Plan Administration
403(b) and 457(b) Plan Administration The Need to Knows More Important than Ever Lawsuit against Neenah reinstated Teachers, retirees ask for more than $63 million in retirement benefits, taxes The IRS
DATA ENTRY INSTRUCTIONS
DATA ENTRY INSTRUCTIONS NOTE: This document contains two sets of instructions for providing employee data to JULY. Before proceeding, please review the descriptions below to determine the instructions
Compliance Testing User Guide Table of Contents
Compliance Testing User Guide Table of Contents I. General Testing Information II. Completing and Uploading the Census Information a. Census Submission Checklist b. How to Obtain the Compliance Data Summary
RICHLAND-LEXINGTON AIRPORT DISTRICT DRAFT AGENDA Commission Meeting September 21, 4 p.m. - CAROLINA ROOM
Page 1 of 53 RICHLAND-LEXINGTON AIRPORT DISTRICT DRAFT AGENDA Commission Meeting September 21, 2015 @ 4 p.m. - CAROLINA ROOM 1. Invocation Xavier Starkes 2. Approval of Consent Agenda a. Agenda b. Minutes
Dow Corning Corporation Supplemental Savings Plan
Dow Corning Corporation Supplemental Savings Plan Plan Well. Invest Well. Live Well. Dow Corning Corporation is committed to providing our employees with opportunities to plan for retirement. The Supplemental
Annual Benefits Election Period
Annual Benefits Election Period November 9 November 30 How to Enroll You can enroll online at Montefiore s Enrollment Website www.montebenefits.com or call the Benefits Enrollment Call Center at 888.860.6166.
Checklist for Employee Benefit Plan Sponsors
Checklist for Employee Benefit Plan Sponsors 999 Third Avenue, Suite 2800 Seattle WA, 98104 (206) 302-6800 The material appearing in this presentation is for informational purposes only and should not
Antioch Community Consolidated School District 34
Antioch Community Consolidated School District 34 Dr. Gregory Buchanan, Superintendent 964 Spafford Street, Antioch, IL 60002 November 7, 2013 Dear Employee, We are pleased to offer you a 403(b) plan to
FirstEnergy Corp. Savings Plan
FirstEnergy Corp. Savings Plan January 1, 2012 FirstEnergy Corp. Savings Plan Summary Plan Description THIS DOCUMENT CONSTITUTES PART OF A PROSPECTUS COVERING SECURITIES THAT HAVE BEEN REGISTERED UNDER
BAKER BOTTS L.L.P. 401(k) AND SAVINGS PLAN SUMMARY PLAN DESCRIPTION
BAKER BOTTS L.L.P. 401(k) AND SAVINGS PLAN SUMMARY PLAN DESCRIPTION January 1, 2015 Summary Plan Description of Baker Botts L.L.P. 401(k) and Savings Plan * * * * * * * * * * * * * PLAN OVERVIEW The Baker
Introducing the New York State Voluntary Defined Contribution Plan
Introducing the New York State Voluntary Defined Contribution Plan The new retirement option for New York State employees A presentation for payroll and human resources professionals Who s covered? State
Contents. Introduction to PSCA s 58th Annual Survey Respondent Demographics Employee Eligibility Participant Contributions...
Introduction to PSCA s 58th Annual Survey... 1 Respondent Demographics... 2 Table 1 Respondents by plan size and plan type... 2 Table 2 Respondents by total plan assets and plan type... 4 Table 3 Respondents
The 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
DEFERRED COMPENSATION PLANS... 2 OVERVIEW OF 457(B) PLANS... 3 ADMINISTRATION OF PLAN... 5 ANNUAL CHECKLIST FOR 457(B) PLAN SPONSORS...
Table of Contents DEFERRED COMPENSATION PLANS... 2 OVERVIEW OF 457(B) PLANS... 3 ADMINISTRATION OF PLAN... 5 ANNUAL CHECKLIST FOR 457(B) PLAN SPONSORS... 12 This information should not be considered tax
Episcopal Church Lay Employees Defined Contribution Retirement Plan. Employers Guide
Episcopal Church Lay Employees Defined Contribution Retirement Plan Employers Guide i ii 445 Fifth Avenue New York, NY 10016 www.cpg.org Dear Employer: We are pleased to provide the Employer s Guide to
Your Columbia University Retirement Savings Program
Your Columbia University Retirement Savings Program For Faculty and other Officers first hired before July 1, 2013 Revised May 2014 There s No Time Like the Present to Plan for the Future Whether you are
Your Retirement Plan Strategy
Building financial security since 1958 Your Retirement Plan Strategy Expert Advice Innovative Options Personalized Service We deliver the superior service you deserve, backed by the expertise you expect.
4 5 7 P L A N H I G H L I G H T S
457 PLAN HIGHLIGHTS Austin Deferred Compensation Plan The City of Austin Deferred Compensation Plan (the Plan ) is a voluntary retirement benefit plan that allows you to save and invest money toward a
Maryland Teachers and State Employees Supplemental Retirement Plans. e Basics
Maryland Teachers and State Employees Supplemental Retirement Plans e Basics Welcome The State of Maryland gives you four ways to be ready for your retirement through the Maryland Supplemental Retirement
Get ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 We are pleased to announce that the is moving to a new recordkeeper, Voya Financial this January. Bass Pro Shops and Voya have prepared this newsletter
Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account
Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses.* A health savings account (HSA),
Retirement Concordia Retirement Savings Plan Administrative Guide. For Employers enrolled in the CRSP
Retirement 2018 Concordia Retirement Savings Plan Administrative Guide For Employers enrolled in the CRSP What s Inside What is the Concordia Retirement Savings Plan?... 1 Fidelity as Administrator...
SUMMARY PLAN DESCRIPTION PIXAR Employee's 401(k) Retirement Plan
SUMMARY PLAN DESCRIPTION PIXAR Employee's 401(k) Retirement Plan This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific
BB&T Corporation 401(k) Savings Plan. Participant Guide
BB&T Corporation 401(k) Savings Plan Participant Guide TABLE OF CONTENTS Introduction BB&T Benefits Administration 1 Plan Highlights 2 Eligibility and enrolling in the Plan 2 Contributions 3 Matching contributions
Roth 401(k) Contributions
Roth 401(k) Contributions Another Way to Save in the Hitachi Data Systems 401(k) Retirement and Savings Plan ROTH 401(k) CONTRIBUTIONS ARE AVAILABLE You can sign up to make Roth 401(k) contributions any
1. Welcome to RecordkeeperDirect
1. Welcome to RecordkeeperDirect American Funds is pleased to play a role in helping your employees plan and save for retirement through our RecordkeeperDirect retirement plan program. American Funds manages
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
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
ITW Savings and Investment Plan for Employees Generally Hired on or after January 1, 2007
ITW Savings and Investment Plan for Employees Generally Hired on or after January 1, 2007 Group 2 April 1, 2015 April 2015 ITW Savings and Investment Plan for Group 2 Employees Introduction A financially
County Clerk Handbook
County Clerk Handbook Helping you build a brighter tomorrow. County Employees Retirement Fund Phone: (877) 632-2373 2121 Schotthill Woods Drive Fax: (573) 761-4404 Jefferson City, MO 65101 TABLE OF CONTENTS
Your contributions. Company Match Contributions. Plan changes. Company Retirement Contributions. Plan highlights:
The 401(k) Plan The UBS 401(k) Plan (the Plan ) is a qualified retirement savings plan that enables you to invest a portion of your own pay along with the firm s contributions. Plan highlights: The Plan
NORTHWESTERN UNIVERSITY VOLUNTARY SAVINGS PLAN SUMMARY PLAN DESCRIPTION
NORTHWESTERN UNIVERSITY VOLUNTARY SAVINGS PLAN SUMMARY PLAN DESCRIPTION Effective January 1, 2011 Table of Contents Introduction...1 Definitions...2 Plan Contributions...4 Before-Tax Contributions... 4
American Airlines, Inc. 401(k) Plan. All information in this presentation pertains to TWU represented employees.
American Airlines, Inc. 401(k) Plan All information in this presentation pertains to TWU represented employees. Agenda 1. Plan Highlights 2. Things to Consider 3. TWU Population Updates for 2017 and 2018
University of St. Thomas Retirement Plan
University of St. Thomas Retirement Plan Table of Contents Introduction... 3 Important Information About the Plan... 4 Joining the Plan... 5 Contributions to the Plan... 6 Managing Your Account... 12 Ownership
Savannah River Nuclear Solutions, LLC Savings and Investment Plan. Summary Plan Description
Savannah River Nuclear Solutions, LLC Savings and Investment Plan Summary Plan Description SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC DEFINED CONTRIBUTION PLAN EFFECTIVE JANUARY 1, 2018 Summary Plan Description
Getting Ready to Retire Guide for Hybrid Members. Helping you plan for tomorrow, today
Getting Ready to Retire Guide for Hybrid Members Helping you plan for tomorrow, today Getting Ready to Retire Guide for Hybrid Members Helping you plan for tomorrow, today This guide provides an overview
2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS
Oct. 1, 2014 2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS Changes to The Hartford s 2015 Health Plan Options Consumer-Directed Health Plan (CDHP) Options Health Savings Accounts (HSA) Healthy Lifestyle
Transition FAQs. This document will help you understand what s changing with the Bass Pro Group, LLC 401(k) Plan.
Bass Pro Group, LLC 40(k) Plan Transition FAQs This document will help you understand what s changing with the Bass Pro Group, LLC 40(k) Plan. What s happening? The Bass Pro, LLC 40(k) Plan and the Cabela
Virginia Retirement System Plan 1 Enhanced Benefits for Eligible Political Subdivision Hazardous Duty Employees
Virginia Retirement System Plan 1 Enhanced Benefits for Eligible Political Subdivision Hazardous Duty Employees Handbook for Members Plan VRS 1 PROVIDING INFORMATION ABOUT YOUR... retirement benefits resources
Get the Most From Your 401(k) Plan
401(k) Guide Get the Most From Your 401(k) Plan The Larry H. Miller Associates Retirement Plan and Trust (the Plan ) is a great benefit offered by your company. It s an excellent way to prepare for your
Carroll Health Group 401(k) Plan
Carroll Health Group 401(k) Plan Table of Contents Introduction... 3 Important Information About the Plan... 4 Joining the Plan... 5 Contributions to the Plan... 6 Managing Your Account... 12 Ownership
TCRS & ORP HYBRID RETIREMENT PLANS
TCRS & ORP HYBRID RETIREMENT PLANS TBR HR Officers Meeting March 19, 2014 Background Legislation was enacted to create a new Hybrid pension plan for state employees and K-12 teachers hired on or after
Plan Administration Manual
Plan Administration Manual P a g e 1 Thank you for choosing American United Life Insurance Company (AUL), a OneAmerica company, as the funding vehicle and administrative services provider for your retirement
Liberty Mutual 401(k) Plan Summary Plan Description (For U.S. Employees Only) Effective January 1, 2018 Section K
Liberty Mutual 401(k) Plan Summary Plan Description (For U.S. Employees Only) Effective January 1, 2018 Section K K 401(k) PLAN (U.S. Employees Only) ABOUT THIS SUMMARY PLAN DESCRIPTION K - 4 INTRODUCTION
Am I on the Right Track for Retirement?
Am I on the Right Track for Retirement? Date June 9, 2009 Presented by: Vernon H. Stockton, III Retirement Plan Specialist AC: 0506-755 Retirement is Closer then You Think What does retirement mean to
UNIVERSITY OF ARKANSAS COMMUNITY COLLEGE AT BATESVILLE RETIREMENT PLAN
UNIVERSITY OF ARKANSAS COMMUNITY COLLEGE AT BATESVILLE RETIREMENT PLAN This Summary Plan Description provides each Participant with a description of the University of Arkansas Community College at Batesville