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RETIREMENT PLAN
MASS MUTUAL RETIREMENT SERVICES | 401(K)
Available in all states
All employees are encouraged to par cipate in the firm’s 401(k) Re rement Savings plan. This plan allows you to fund for your
re rement with pre‐tax dollars. With this plan, your contribu ons are withheld from your pay on a pre‐tax basis and are not
immediately subject to federal income tax. Instead, they are contributed to your 401(k) plan and can grow over me. Your account will
be subject to federal income tax only when withdrawn.
You may contribute into your 401(k) up to IRS Maximums:
401(k) IRS Maximums 2019 2020
Employee Deferral $19,000
Indexed for Infla on
Catch‐up Deferral for Employees Over the Age of 50 $6,000
Koeller, Nebeker, Carlson & Haluck will automa cally enroll you in the 401(k) plan with a contribu on of 6% on the day you are
eligible for this benefit. If you would like to change the amount you are contribu ng, or if you would like to cancel auto‐
enrollment in this plan, you must submit a completed Par cipant Enrollment & Elec on Form to Joanne Mcclanahan.
If you have any ques ons about how the 401(k) plan works, your rights and obliga ons under the plan, or if you would like a
copy of the 401(k) SPD or other plan documents, please contact Joanne Mcclanahan.
ACCESSING YOUR 401(K):
Go to www.re resmart.com or call (800) 743‐5274.
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