Page 11 - Adolph's Litho Services - Benefit guide - Effective 3-1-2020

401(k) Profit Sharing Plan:

The Standard

Adolph’s Litho Service, Inc. 401(k) Retirement Plan

Adolph’s 401(k) has been provided to you with the opportunity to save for retirement on a tax - advantaged
basis by “electing to defer a percentage of your income”. Our Plan is a qualified retirement plan commonly
referred to as a 401(k) Plan.
Why enroll?

• It helps you save for the future and may reduce the amount of federal income tax you currently
pay. For 2020 you can contribute up to $19,000, plus additional $6,000 if you are age 50 or older.
• Adolph’s Litho Services, Inc. will (Safe Harbor) match your contribution $1.00 for dollar up to 3%. We
will match your contributions of more then 3% percent and up to 5% percent of your pay with $0.50
for each dollar contribute for the next 2%. These funds are 100% vested.
• We may also make discretionary profit sharing contributions. When a contribution is made, each
eligible employee will receive a pro-rate share of the contribution based on pay. You will become
vested in—which means you will earn ownership of—the matching contribution according to the
schedule—please see benefit summary for details.
• Best of all, this plan can give you a nest egg that can help make your retirement free from financial
concerns which Adolph’s Litho Services, Inc. wants to help you reach your goals with are generous
match based on the amount you contribute.
How do I learn more?

You will receive an enrollment booklet outlining the plan’s features. If you haven’t received a booklet yet,
you can request a copy from Amanda Tyner.
Who Is Eligible and When Am I Eligible to Participate?

You are eligible to participate in our plan if you are 21 years of age or older and have completed one (3)
months of service. Please see your Enrollment Packet and Summary Plan Description (SPD) for more details.

Your contributions will be invested into Vanguard Balanced Ind Adm fund unless you select one of the other 17
plan fund options. If you would like to choose a different contribution amount or select different investments
you can visit Personal Savings Center online (a one-time account creation is required) or call a your service
representative at The Standard using the phone number below. To go online, you simply follow steps 1 to 4:

1. Log in to Personal Savings Center at www.standard.com/retirement.
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2. f this is your first visit, follow the instructions to create your online account.
3. Select Change Contribution Amount to select a different contribution amount or opt out.
4. Select My Investments and then Change Investments to select different investments.

1st. Choose from 1 of 5 Portfolios, 2nd. Choose your own fund selections, 3rd Choose Mainspring Managed Service, with
Financial Advisor’s who can help analyze your needs and help you choose and monitor your funds. This is at NO fee for first
3 months or balances under $5,000 for this service. You can continue to use Mainspring on a ongoing basis if you wish for a
small fee per month in the Mainspring Managed account. The fees vary due to Account Balances - $0.00 to $5,000 is
$0.00, $5,000.01 to $10,000 is only $5.00, and $10,000.01 and up is only $10.00. You can opt out from Mainspring at any time.

Call Standard at 800-858-5420 to reach a customer service representative. www.standard.com/retirement
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