Enrollment & Resources Guide A guide to enrolling through the Plan Web site or by phone to make the connection to the Plan.
Enroll online with the Web site Step 1 Log in to ctg401k.com and click on Login to log in to Retirement Access. Step 2 Follow the online instructions to establish an initial online User Name and Password. You then will be prompted to create a new User Name and Password for more secure access to your account. If additional assistance is needed, please contact the Participant Information Center at 1-800-854-0647. Representatives are available any business day from 8:00 a.m. to 8:00 p.m. ET. Enroll by phone via the Participant Information Center Step 1 Call 1-800-854-0647. Step 2 Follow the voice prompts selecting English or Spanish. Step 3 Identify yourself. Enter your Social Security Number (SSN). Step 4 Enter your initial Personal Identification Number (PIN). Choose a new PIN. (New PIN) Step 5 Choose your contribution amount. Enter the percentage (1%-30%) you will contribute %. TIP! If you are using the Touchtone System, you will need to enter two zeros after your percentage allocation, followed by the pound sign. For example, to elect a 6% deferral amount, you must enter 6-0-0-#. There are restrictions on the amount that Highly Compensated Employees (HCEs) may contribute to the Plan. Please contact your local representative for more information.»
Step 6 Investment selections The Plan offers you a choice of investment options. The Plan s funds are grouped by asset class. After carefully considering your fund choices, use the chart below to record your percentage allocations, using whole numbers only. Make sure your percentages total 100%. Choose your investments Enter the percentage amount that you want to invest in the funds of your choice when prompted. Investment selections Asset class fund names Contribution a Allocation Short-Term Invesco Stable Value Fund % Investments JP Morgan Prime Money Market Fund (JINXX) % Bonds American Century Inflation Adjusted Bond Advisory Fund (ACITX) % MFS Research Bond Fund (MRBJX) % U.S. Stocks American Century Mid-Cap Value Fund (AVUAX) % Small/Mid Cap Fidelity Low-Priced Stock Fund (FLPSX) % Vanguard Small Cap Index Fund (NAESX) % Franklin Small-Mid Cap Growth Fund (FSGAX) % U.S. Stocks Dreyfus Basic S&P 500 Index Fund (DSPIX) % Large Cap Franklin Growth Fund (FCGAX) American Funds AMCAP Fund (RAFGX) % MFS Value Fund (MEIJX) % U.S. Stocks Franklin Gold and Precious Metal Fund (FGADX) % Equity Precious Metals International American Funds EuroPacific Growth Fund (RERGX) % Stocks Vanguard International Value Fund (VTRIX) % Company Stock CTG Stock Fund % Asset Allocation MFS Conservative Allocation Fund (MACFX) % Funds MFS Moderate Allocation Fund (MAMAX) % MFS Growth Allocation Fund (MAGWX) % MFS Aggressive Growth Allocation Fund (MAAGX) % TOTAL 100% Please note: If you do not select any investments for your account, then all of your contributions will be invested (defaulted) into one of the T.Rowe Price Retirement Funds.»
Step 7 Confirm your enrollment Once you complete the enrollment process, you ll receive a confirmation number for your records. If you do not complete the entire process, your enrollment request will not be processed. Enter your reference #_ Reminder Complete the Beneficiary Designation Form enclosed in your enrollment kit. Please follow the instructions on the form and return it in the envelope provided to CTG s Corporate Benefits Department in Buffalo, NY. Participants age 50 or older in current calendar year If you are age 50 or older during the current calendar year, you may be eligible to make additional contributions to the Plan. Log in to the Plan Web site, ctg401k.com, and complete the Catch-Up Election Form. Resources available to you. If you have any questions about the Plan benefits or features, call the Participant Information Center at 1-800-854-0647. Press 0 to speak to a customer representative. Representatives are available during regular business hours (Eastern time) any business day. If you need investment guidance, contact the Plan s Investment Professional, UBS Financial Services Inc. at 1-866-710-5208.» CTG, Inc. 401(k) Retirement Plan. Thank you for enrolling in the
Get connected. Stay connected The CTG, Inc. 401(k) Retirement Plan is a great benefit. This guide explains how to enroll in the Plan through the Web site or by phone at any time. You will also find helpful information about the account services and educational tools available to you. Take a moment to review this information. It will help you start investing for your future. Joining the Plan is easy. First, make sure you have read your Plan Highlights and Investment Guide to understand the Plan and your investment choices. Make sure you understand the risks of investing by carefully reviewing the fund prospectuses and other information available to you. Review specific fund risks before investing. If you decide to choose the Retirement Funds, simply complete the Easy- Connect Enrollment Form located on ctg401k.com. You may also follow the steps inside this brochure to enroll in the Retirement Funds or any of the Plan s other options.
A word about risk Investing in foreign and/or emerging market securities is more susceptible to interest rate, currency rate exchanges, economic, and political risks. These risks are magnified in emerging or developing markets as compared with domestic markets. Stock funds generally provide an opportunity for more capital appreciation than fixed income investments but are also subject to greater market fluctuations. Bond funds fluctuate in value, but if held to maturity, offer a fixed rate of return and fixed principal value. Performance of asset allocation funds depends on their underlying funds. The underlying funds performance may be lower than the performance of the asset class that they were selected to represent. Investment return and principal value fluctuate so your shares, when sold, may be worth more or less than the original cost. Please see the funds prospectus and fact sheet for further specific risks. Please consider an investment option s objectives, risks, charges and expenses carefully before investing. This and other information about the investment option can be found in the applicable prospectuses (and/or summary prospectuses, if available), if any, or fact sheets for the investment options listed, which are available from your plan sponsor, on the participant website or by contacting our Participant Information Center. Please read them carefully before investing. RS2023 514 CTG-ENRES-GUIDE (05/14) C:000000-00