Page 19 - Sample Calendar Layout EE Guide

All employees are encouraged to participate in the ABC Company 401 ABC Company has established an Employee Stock Purchase Plan (ESPP).
(k) plan, arranged through Vanguard and John Hancock. This plan
allows you to fund for your retirement with pre or post-tax dollars. Enrollment
There are two times during the year that you may participate in the ESPP -
February 1st and August 1st (or the first trading day of these months).
Eligibility
You are eligible for the company's 401(k) plan on the first day of the Investment
month following completion of 3 months of service. Each participation period will last six months in which you may set aside 1% to
15% of your income. At the end of the six month interval, ABC Company will
Auto-Enrollment purchase stock at a 15% discount based on either the price of the stock on the
Upon eligibility, you will be auto-enrolled at 6% (pre-tax) salary first day of entering the plan or the price on the last day of the plan,
contribution in the default plan (Vanguard Target Retirement Fund) whichever price is lower.
unless you elect otherwise. You have the option to contribute to
either a pre-tax or Roth account.

LEARN MORE ONLINE
401(K) IRS MAXIMUMS 2019 2020
For more information, visit
Elective Deferral $19,000 https://eac.schwab.com
Indexed for (Employee ID = SSN | NYSE: STMP).
Catch-Up for Employees Age 50+ $6,000 Inflation

To change or cease your contributions, contact your plan
administrator.

To make changes to your fund allocation, log on to John Hancock's
participant website at www.jhpensions.com, or call toll-free at 800-
395-1113 (or 800-363-0530 for Spanish).