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Benefits

Retirement Planning

Enrollment in 401(k) Plan: Our plan has an auto‐enroll feature, which means if you do nothing, you will be automa cally enrolled
at 3% of your eligible pay, and you will be invested in a target date fund based upon an assumed re rement age. Eligible
employees will be sent an “ automa c enrollment” le er detailing when they will be automa cally enrolled.

What does this mean for you? We’ll do the work for you. If you are eligible, we will automa cally enroll for you. Of course, you
have the choice of changing your deferral amount and investment op ons or op ng out altogether.

We want to help get you closer to your savings goal. Many financial experts recommend that you save 10‐15% of your income
today in order to meet their re rement income goals.

Don’t want to be enrolled? Any employee who does not want to par cipate in the Plan can “opt out” by contac ng Fidelity
Investments. Details will be provided in the le er you receive.

Want to enroll in the plan now? You do not need to wait for automa c enrollment in the Plan. To enroll today, simply:

 Visit www.netBenefits.com/easy
 Contact a Fidelity representa ve at (800) 294‐4015 from 8:30 am to 8:30 pm ET each day the New York Stock Exchange is open

Manage my 401(k) Plan: NetBenefits is the online tool that puts you in the driver’s seat in saving for re rement. You can manage
your account, track your savings progress and keep moving toward your goals right from your desktop. Log in to netbenefits.com
to get started. You can discover a wealth of resources to help you achieve your savings goals.

 Change investment op ons
 Access to your account 24/7
 Create an online statement
 Go to the NetBenefits Library page to set your financial goals for re rement and create a strategy to get there.
 A end online workshops

401(k) Plan Roll Over: You may be permi ed to roll over assets into this Plan from a previous employer’s re rement Plan or an
IRA. Once you have confirmed that your Employer will accept your rollover contribu on, follow these easy steps to complete a
rollover into the Plan:

 Contact your prior Plan provider to request a rollover distribu on
 Rollover check issued should be made payable to Fidelity Investments Ins tu onal Opera ons Company (FIIOC) for the benefit
of (FBO): your name and sent to you.
 Complete the rollover contribu on form.
 Return both the rollover contribu on form and the check from your prior Plan to either your current Plan Administrator or
directly to Fidelity at the address provided on the form.

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