2018 New Hire Benefits Orientation Rv5 2018 - HireRight ... · braces. In addition to the financial...
Transcript of 2018 New Hire Benefits Orientation Rv5 2018 - HireRight ... · braces. In addition to the financial...
Benefits OrientationFor HireRight and Corporate Risk Holdings Employees
Comprehensive Benefits Package
Medical, dental and vision plans Employer-paid basic life and AD&D
insurance Optional employee-paid supplemental
life coverage (to include employee, spouse, domestic partner and child coverage)
Short-term and long-term disability Paid vacation, holidays and sick time Flexible spending accounts (health care,
dependent care and transportation)
Business travel accident insurance
401(k) plan with employer match Educational assistance program (tuition
reimbursement)
Parental leave and paid time off for community service
Adoption assistance Employee assistance program (EAP) Other benefits: critical illness insurance;
hospital indemnity plan; legal services and identity theft protection; group discounts on auto, home and pet insurance
Employee discounts on car rentals, cellular phone/internet services, clothing, gym memberships and more
Proprietary and Confidential — Corporate Risk Holdings — Internal Use Only2
Benefits Eligibility If you are a full-time or part-time employee and you regularly work 30 or more hours
per week, you’re eligible for All benefits
If you are a temporary employee or an intern and you regularly work 30 or more hours per week, you’re eligible for: Medical
Hospital Indemnity Plan
401(k) Plan
Business Travel Accident Insurance
Commuter Benefits (Transportation Spending Account)
Employee Discounts
Part-time employees, temps and interns who regularly work less than 30 hours per week are eligible for: 401(k) Plan
Business Travel Accident Insurance
Commuter Benefits (Transportation Spending Accounts)
Employee Discounts
Paid Vacation, Holiday and Sick Time (Part-time employees who regularly work more than 20 hours only; excludes temps and interns)
Proprietary and Confidential — Corporate Risk Holdings — Internal Use Only3
Enrolling in Benefits Coverage
New Hires: How to Enroll: You will receive an email invitation to make your benefit elections
from Your Benefits Center within seven days from your date of hire 401(k) enrollment information will sent by Fidelity Investments separately via email separately
Deadline to Enroll: 30 days from your date of hire When Benefits Coverage Begins: First of the month following your hire date.
Employees hired on the first of the month are eligible for benefits as of the date of hire. Ex. Hire date is 2/1/2018 Coverage begins 2/1/2018
Ex. Hire date is 2/8/2018 Coverage begins 3/1/2018
Ongoing Employees: When You Can Make Benefits Changes: During the Open Enrollment period which is typically held in November
May also change benefit elections if experience a life event such as birth or adoption of a child, marriage, divorce, spouse’s loss of benefits coverage, etc.
Certain benefits such as 401(k) and HSA payroll deduction can be changed at any time
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MEDICAL INSURANCEHOSPITAL INDEMNITY PLANCRITICAL ILLNESS PLANDENTAL INSURANCEVISION INSURANCELIFE INSURANCESHORT-TERM DISABILITYLONG-TERM DISABILITY
Health, Life Insurance and Disability Benefits
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Medical Plans
Aetna Choice of two high deductible PPO medical plans with a Health Savings
Account (HSA)
2000 Plan with HSA Lower payroll contributions than the HSA 1350 Plan
Deductible and out-of-pocket maximum is higher than the HSA 1350 Plan
1350 Plan with HSA Higher payroll contributions than the HSA 2000 Plan
Deductible and out-of-pocket maximum is lower than the HSA 2000 Plan
Employees (1) enrolled in Medicare; or (2) enrolled in Medicaid; or (3) that have medical coverage through Tricare; or (4) that have received VA benefits within the past three months and do not have a disability rating from the VA are eligible for the 2000 and 1350 medical plans without a Health Savings Account (HSA). These plans have the same provisions as the 2000 and 1350 medical planswith an HSA except there is no HSA with these plans (and consequently, no HSA employer funding). If you meet at least one of the above four criteria, contact Your Benefits Center for more information on the 2000 and 1350 medical plans without an HSA Plans.
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How the Medical Plans Work
Preventive Care
Annual Deductible
Co-Insurance
Annual Out-of-Pocket
Maximum
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The plan covers 100% of all preventive care services, such as annual physicals and screenings, and child immunizations at no cost when using an in-network provider.
You pay the full cost of covered Medical and Rx services up to the deductible amount .You can use money in your HSA to satisfy the deductible.
Once you meet the annual deductible, you share in the cost of Medical and Rx services by paying the co-insurance. You can use money in your HSA to pay these expenses.
You pay co-insurance until you hit the out-of-pocket maximum for the year. Then, the plan pays 100% for covered medical expenses, and you pay nothing.
Health Savings Account (HSA)
Tax-advantaged savings account
Use funds to meet deductible
Pay for co-insurance For all expenses towards
your out-of-pocket maximum
1. The HSA employer funding is subject to completion of a health assessment and/or a biometric screening. If the employee completes a health assessment, the employer contribution to the employee’s HSA will be: $200 (if the employee is only covering himself/herself under the medical plan – i.e.employee only coverage) or $400 (if the employee is covering himself/herself and other family members under the medical plan—i.e., family coverage). If the employee completes a biometric screening, an additional employer contribution will be made to the employee’s HSA of $200 (for employee only coverage) or $400 (for family coverage). Amounts will be prorated for midyear enrollees.
2. Out‐of‐network expenses are subject to reasonable and customary charges.
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Medical Coverage Highlights
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What is a Health Savings Account (HSA)?
HSA is a tax-advantaged account that you own. Funds can be used to pay for qualified medical expenses today or can be saved for future expenses.Account advantages: You don’t pay income taxes on the money you put in your account: No tax on
contributions; No tax on interest earnings; No tax when funds are used for qualified health expenses
Earn interest on cash account and invest when your balance reaches a certain amount No “Use it or Lose It” Portable – it stays with you when you leave your company or retire Easy to access – debit card, mobile app, online payment features Earn an employer contribution to your HSA by completing a health assessment and/or
biometric screening
Aetna’s HSA Administrator: PayFlex
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Health Savings Account (HSA)
Annual Employer Funding Complete two healthy actions: Online health assessment
Biometric screening
Earn an employer contribution to your HSA of $400* or $800* $200* for employee only medical plan coverage
$400* for employee + dependent(s) medical plan coverage
*Amount is pro-rated for new hires For example, if your effective date of medical coverage is March 1, 2018 and you elect
employee only coverage and complete the health assessment, your prorated employer contribution will be:
($400 annually ÷ 12 months) x 10 remaining months = $333.33 employer contribution
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Employer Funding to HSA
Online Health Assessment Visit www.aetnanavigator.com
Approximately 20 minutes to complete
Receive personalized health report
Confidential: Your results not shared with the Company
Earn $200* or $400* $200* for employee only medical plan coverage
$400* for employee + dependent(s) medical plan coverage
Employer contribution is deposited generally by the 20th of the month after you complete the health assessment Ex. Complete the health assessment on February 15
Employer contribution will be deposited by March 20
2018 deadline is December 15, 2018*Amount is pro-rated for new hires
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Employer Funding to HSA
Biometric Screening Consists of bloodwork and waist measurement
Tests for Metabolic Syndrome: High blood pressure, high blood glucose, low HDL cholesterol, high triglyceride levels
and central obesity
No cost to complete the biometric screening
Confidential, results not shared with the Company
Earn $200* or $400* $200* for employee only medical plan coverage
$400* for employee + dependent(s) medical plan coverage
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Employer Funding to HSA
Biometric ScreeningThree ways to complete a screening:1. Visit a Quest Diagnostic Service Center
Schedule an appointment online at https://my.questforhealth.com
Screening takes about 15 minutes
Deadline for visiting a Quest Service Center is November 30, 2018
2. At your in-network doctor’s office Quest must receive the completed Physician Results Form by November 1, 2018
Download Physician Results Form at https://my.questforhealth.com
3. At your workplace Onsite workplace screenings held in February and September in Charlotte, Irvine, Nashville, New
York City, Reston and Tulsa office
Employer Funding to HSA
Here is what employees are saying about completing a health assessment and biometric screening: The $800 we get from doing minimal work is a no brainer! I think it took me longer to park at the clinic
than the actual biometric test itself and the health assessment provides good data on areas I need to improve. The free $800 we get has greatly helped my family offset medical costs from Dr. visits to medication. -- Brett
I have completed a health assessment and had the biometric screening for the past three years, and for that very small effort, I have received $2400 which I was able to use to pay for my daughter’s braces. In addition to the financial benefit, doing the health assessment and having the biometric screening pushed me to get healthier and is showing me my progress year after year! It’s a win-win all around (and bonus – my daughter’s teeth are gorgeous!). -- Leah
I didn’t take advantage of this offer the first year I joined HireRight, and couldn’t believe it when I realized what I missed out on. The online health assessment is not only easy, it’s eye opening. It’s not overly intrusive, but wants to know about you so it can help gear communications (if you so choose) on how to help reach your goals. I have found the reminders incredibly beneficial. The biometric screening is made easier for you by our company; they come onsite and they are discreet in their handling of your information. $800 is a great start towards any expenses you and your family might have next year. -- Diana
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Health Savings Account (HSA)
2018 HSA Contribution Limits: The IRS sets limits on the amount that may be contributed each year. For 2018,
these limits are: $3,450 for employee only coverage
$6,900 for employee + dependent(s) coverages
If you are age 55 or older, you may make an additional catch-up contribution of $1,000.
Contribution limits includes both employee and employer contributions.
Limit does not include catch-up contributions, which can be made in addition to the IRS-allowed maximum.
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Health Savings Account (HSA)
HSA Record Keeping Keep Your Receipts
Maintain good records of your withdrawals
1099-SA reports distributions, mailed in January Used to file IRS Form 8889 with your federal tax return
To obtain IRS Form 8889 and its instructions, go to www.irs.gov
5498-SA - reports contributions, mailed in May You do not need to wait for this form to file your tax return
A copy will be sent to the IRS on your behalf
Health Savings Account (HSA)
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Aetna’s HSA Administrator: PayFlex Manage your PayFlex HSA online at www.aetnanavigator.com Check balance Pay bills online Order additional cards Withdraw funds Invest your HSA dollars
PayFlex Customer Service: 1-888-678-8242
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Prescription Drug Highlights
Visit www.caremark.com/highvalueplan to view the Value Formulary
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To Access Teladoc:
Visit www.Teladoc.com/aetna
or call 1-855-TELADOC/1-855-835-2362
or download the mobile app for iphone or android
Set up account and completeyour medical history before usingTeladoc.
$40 per general medical consultation
$75 per dermatology consultation
$80 per behavioral health consultation
with therapist/psychologist
$160 for first visit with psychiatrist and
$90 for all subsequent visits
2018 Medical Plan Employee Payroll Contributions
Carrier Coverage Category Bi-weeklyContribution
Aetna 2000 with HSA Medical Plan
Employee Only $25.21
Employee + Spouse/DP $66.54
Employee + Child(ren) $50.15
Employee + Family $98.34
Aetna 1350 with HSA Medical Plan
Employee Only $69.52
Employee + Spouse/DP $158.07
Employee + Child(ren) $119.13
Employee + Family $216.91
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Hospital Indemnity Plan (HIP)
Supplements your medical plan and pays a lump-sum cash benefit plus daily benefits directly to you for a covered inpatient hospital stay
You can use the cash benefit to help pay for your medical plan deductible, coinsurance or everyday living expenses
There are two Hospital Indemnity Plan options: Aetna HIP 2000
Aetna HIP 1350
Under each HIP option, two types of benefits are paid: A lump-sum benefit of $1,350 (if enrolled in the HIP 1350) or $2,000 (if enrolled in the HIP 2000)
for one stay in the hospital during the coverage year; plus A daily benefit of $100 per day, for up to 100 days that a member is an inpatient in a hospital per
coverage year.
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2018 HIP Employee Payroll Contributions
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Carrier Coverage Category Bi-weekly Contribution
Aetna HIP 2000
Employee Only $14.95Employee + Spouse/DP $31.40Employee + Child(ren) $29.90Employee + Family $46.35
Aetna HIP 1350
Employee Only $11.62Employee + Spouse/DP $24.41Employee + Child(ren) $23.25Employee + Family $36.03
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Critical Illness Insurance
Coverage OptionsEmployee Benefit of $10,000, $20,000 or $30,000
Spouse/Domestic Partner 100% of employee’s benefit amount*
Dependent Child(ren) 100% of employee’s benefit amount*
Rates Varies by election*Coverage is guaranteed provided (1) the employee is actively at work and (2) any dependents to be covered are not under medical restriction as described in the Certificate. Some states require the insured to have medical coverage.
Covered conditions include cancer, bone marrow and organ transplants, heart attack, stroke and kidney failure.
A pre-existing condition clause does not apply.
A complete list of covered conditions is available on www.yourbenefitscenter.com.
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Dental Plan Highlights
*You may pay more than the listed % because Delta Dental’s payment is based upon the maximum plan allowance in your area.** Orthodontia does not apply to the annual benefit maximum.The in-network and out-of-network deductibles and annual benefit maximums are not separate; amounts applied to one will apply to the other.
2018 Dental Plan Employee Payroll Contributions
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Carrier Coverage Category Bi-weekly Contribution
Delta Dental Basic Dental Plan
Employee Only $8.14Employee + Spouse/DP $14.54Employee + Child(ren) $14.98Employee + Family $22.96
Delta Dental Premium Dental Plan
Employee Only $13.03Employee + Spouse/DP $22.47Employee + Child(ren) $23.78Employee + Family $37.28
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Vision Plan Highlights
2018 Vision Plan Employee Payroll Contributions
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Carrier Coverage Category Bi-weekly Contribution
Vision Service Plan (VSP) Basic Vision Plan
Employee Only $2.97Employee + Spouse/DP $5.94Employee + Child(ren) $6.34Employee + Family $10.14
Vision Service Plan (VSP)
Premium Vision Plan
Employee Only $6.91Employee + Spouse/DP $13.80Employee + Child(ren) $14.78Employee + Family $23.61
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Life and AD&D InsuranceInsurance Coverage AmountsEmployer PaidBasic Life $50,000 or 1 x salary
Basic AD&D 1x salaryEmployee PaidEmployee Supplemental Life 1x - 6x salary up to $1 million
Spouse/Domestic Partner Life Up to $300,000. Amount may not exceed 100% of the employee’s supplemental life
Child Life $5,000 increments up to $20,000Voluntary AD&D Employee and family coverage
1x - 6x salary up to $1 millionRates Vary by election
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Short and Long Term DisabilityShort Term Disability
(Employer Paid)
Income Replacement 60% of weekly base salary
Benefit Effective Date 6th regularly scheduled workday of absence
Maximum Benefit Period 182 calendar days in a 12 month period
Long Term Disability (Employee Paid)
Income Replacement 60% of monthly base salary (max monthlybenefit of $25,000)
Benefit Effective Date 180th day of absence
Maximum Benefit Period Social Security Retirement Age
Employee Premium $0.260 per $100 of covered salary per year based on your annual pay
Tax Treatment Benefit is not taxable
401(K) PLAN
Retirement Plan
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401(k) Plan with Employer Match Employee’s Pre-Tax Contributions 1%-60% of eligible pre-tax compensation up to $18,500
Employees 50 or older may make additional “catch-up” contributions up to $6,000 for a total of $24,500 in 2018 If you contributed to a prior employer’s plan in 2018, those contributions, along with the
contributions you make to the Corporate Risk Holdings 401(k) Plan count towards the IRS limit
If you reach the IRS maximum limit with your Corporate Risk Holdings 401(k) contributions, the payroll systems will automatically stop your contributions and the corresponding employer match for the remainder of the year Please note: The payroll system will not include any contributions you may have made during the calendar year
with a prior employer. When deciding how much to contribute to the Corporate Risk Holdings 401(k), you will need to include any contributions you made with your prior employer if you believe you may reach the IRS maximum.
You may change or stop your contributions at anytime by contacting Fidelity
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401(k) Plan with Employer Match
Employer Matching Contributions» 100% of the first 4% of eligible gross compensation contributed by the
employee
» Employer match is made each pay period that you make a contribution
» All matching contributions are100% vested immediately
401(k) Plan with Employer Match
Example of how the match works:Ashley earns $2,000 per paycheck and elects to contribute 4% to the 401(k) Plan
Per Paycheck Amounts:$2,000 x .04 = $80 (Ashley’s contribution)
$2,000 x .04 = $80 (Employer match)
$160 total contribution deposited to Ashley’s 401(k) account each paycheck
Annual Amounts:$80 x 26 paychecks = $2,080 (Ashley’s annual contribution)
$80 x 26 paychecks = $2,080 (Annual employer match)
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401(k) Plan with Employer Match
Example #2 of how the match works:Ashley earns $2,000 per paycheck and elects to contribute 60% to the 401(k) Plan
Per Paycheck Amounts:$2,000 x .60 = $1,200 (Ashley’s contribution)
$2,000 x .04 = $ 80 (employer match)
$1,280 deposited to Ashley’s 401(k) account each paycheckAnnual Amounts:
$1,200 x 16 paychecks = $18,500 (Ashley’s annual contribution—the 2018 IRS maximum)
$80 x 16 paychecks = $1,280 (Annual employer match)
Because Ashley reaches the IRS maximum contribution limit in 16 paychecks, her contributions and the corresponding employer match stop. She loses out on $800 in employer match by not contributing to the Plan each paycheck.
401(k) Plan – Enroll Today!
To enroll, contact Fidelity Investments Website: www.401k.com Enrollment Guide, Summary Plan Description, Contribution
Calculator and Retirement Income Simulator
Phone: 1-800-835-5097
Easy Enroll In just 60 seconds, get started in the Company’s 401(k) plan
Easy Enroll at: www.NetBenefits.com/Easy
After enrolling, you can adjust your approach at any time to fit your changing needs
One-on-one guidance is always available
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ADOPTION ASSISTANCEAUTO, HOME AND PET INSURANCEBUSINESS TRAVEL ACCIDENT INSURANCEEDUCATIONAL ASSISTANCE PROGRAMEMPLOYEE ASSISTANCE PROGRAM (EAP)EMPLOYEE DISCOUNTSHEALTH AND DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTSLEGAL AND IDENTITY THEFT BENEFITSTRANSPORTATION/COMMUTER SPENDING ACCOUNTSVACATION, SICK TIME AND HOLIDAYS
Other Benefits
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Adoption Assistance
The Company will reimburse allowable expenses up to a maximum of $2,500 per child once the adoption is final The child being adopted must be 18 years of age or younger
Policy and forms located on www.yourbenefitscenter.com
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Auto, Home and Pet Insurance
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Plan Services Cost per Paycheck
MetLife Auto & Home®
• Special group discounts• Payroll deduction• Tenure discount• Policies available include auto,
home, condo & renter’s insurance, RVs, boats, motorcycles and more.
Contact MetLife for rates
Veterinary Pet Insurance (VPI)
• A variety of plans available to fit your needs and your budget
• Visit any veterinarian—even specialists and emergency providers
• Medical policies cover diagnostic tests, X-rays, prescriptions, surgeries, hospitalization and more
• Optional wellness coverage is available for preventative care
Contact MetLife for rates
To enroll, visit www.metlife.com/mybenefit
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Business Travel Accident Insurance
Assistance with lost items, such as baggage, passport and travel documents
Travel medical assistance, including emergency medical evacuation transportation
A death benefit of 2x annual salary (minimum benefit of $100,000/maximum benefit of $1,000,000) in the event of loss of life while conducting business travel
Plan details and travel assistance ID card located on www.yourbenefitscenter.com
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Educational Assistance Program
Program DetailsYearly Maximum $5,250Reimbursement Amount per Grade A or B: 100%
C: 75%Below C: No reimbursementPass in a Pass/Fail Course: 75%
Reimbursable Items Tuition, Books, Parking, Lab FeesObligation to Stay 24 MonthsAccreditation CHEA
Policy and forms located on www.yourbenefitscenter.com
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Employee Assistance Program (EAP)
Helps you plan for and manage events that affect your work, health and family
Confidential support, resources and information Available to you and your dependents
ComPsych Guidance ResourcesCall: 1-855-649-3017 (TDD: 1-800-697-0353)
Visit: www.guidanceresources.comTo register, use company Web ID: CORPRISK
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Employee Discount Program
Discount CategoriesBanking EntertainmentCar Purchase & Rentals Home Relocation ServicesCellular Phones Internet/TV/Home Phone ServicesClothing WellnessComputers & Electronics ….and more
To view Corporate Discounts, visit http://i.corprisk.com
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Health and Dependent Care FSA
Plan IRS Annual Maximum
Health Care Flexible Spending Account (FSA)(Not available if enrolling in an HSA medical plan)
$2,650 per year to pay for eligible out-of-pocket health care expenses
Dependent Care Flexible Spending Account (FSA)
$5,000 per year to pay for eligible out-of-pocket dependent care expenses (or $2,500 if married filing separate tax returns)
Important! You must incur qualified expenses to cover the money in your account(s) by December 31, 2018, and submit any claims for reimbursement by March 31, 2019; otherwise, you lose any remaining money. Leftover money cannot be rolled over into the next plan year.
For a complete list of qualified health care and dependent care expenses, visit www.irs.gov, click on “Forms and Publications” and then select IRS Publication 502 for health care expenses and IRS Publication 503 for dependent care expenses.
Proprietary and Confidential — Corporate Risk Holdings — Internal Use Only44
Legal and Identity Theft Services
Plan Services Cost per Paycheck
LegalShieldServices
Phone consultations Contract and document review Will and living will preparation Mortgage document assistance Uncontested divorce/separation Adoption Name changes
$7.27
IDShield Up-to-date credit reports and personal credit scores
Continuous credit report monitoring New activity email alerts Identity theft restoration services Fraud alerts issuance Local/national database searches for
activity in your name
Individual IDShield Plan: $3.90
Family IDShield Plan: $7.36
Bundle pricing available during enrollment process.
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Transportation/Commuter Accounts
Plan IRS Pre-tax Monthly Maximum
Parking $260
Mass Transit $260
To enroll, visit www.wageworks.com Enrollment, changes or cancellations must be made by the 4th of
the month prior to the benefit commuting month.
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Time Off ProgramsFor Corporate Risk employees whose primary place of work IS NOT California or Montana
Vacation*Full Years of Service as of January 1 Amount
New Hire - Up to Two Years Three weeks (prorated for new hires)
Two Years - Up to Five Years Four weeksFive Years or More Five weeks
*Amounts apply to employees regularly scheduled to work 80 hours per bi-weekly pay period
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Time Off Programs For HireRight employees whose primary place of work IS NOT California or Montana
Vacation Eligibility Schedule0 – Up to 2 Years 2 years – Up to 5 Years 5 Years or More
120 hours 160 hours 200 hours
Vacation Accrual ScheduleNumber of Hours Eligible Accrual per Pay Period (In hours)
120 hours 4.62 hours per pay period
160 hours 6.15 hours per pay period200 hours 7.69 hours per pay period
The above schedule reflects the maximum vacation accrual available each calendar year based on years of service.
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Time Off Programs For employees whose primary place of work is either California or Montana
Vacation*Full Years of Service as of
January 1Vacation Hours Accrued in
12-Month PeriodMaximum “Banked” Vacation
Hours
New Hire – Up to Five Years
120 hours 180 hours
Five Years or More 160 hours 240 hours*Amounts apply to employees regularly scheduled to work 80 hours per bi-weekly pay period
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Time Off ProgramsAll Employees
Sick Time*Up to 40 hours per fiscal year (prorated for new hires)
*Amounts apply to employees regularly scheduled to work 80 hours per bi-weekly pay period
HolidaysTen paid holidays per year; holidays vary by business
Payroll and holiday calendars can be found on i.corprisk.com under Corporate>Finance>Payroll
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Time Off Programs
Parental Leave New fathers and mothers are eligible for five days of paid leave at 100% of
salary following the birth, adoption or placement of a child.
For new mothers who give birth, paid parental leave may be used during the first week of short-term disability (the waiting period).
Community Service Time-off to volunteer for one day (8 hours) per calendar year (whole of half
day increments).
Employees regularly working 20 hours or more per week are eligible.
The community service organization must be a 501(c)(3) non-profit organization, Company-recognized volunteer activities or a child’s school-related activities.
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Where to Get Benefits Information
Your Benefits Center1-844-217-8215
8am to 11pm ET, Monday – Friday
www.yourbenefitscenter.com
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Next Steps
Copy of the New Hire PowerPoint can be found on www.yourbenefitscenter.com under the Benefits Info tab. Take a moment to read the resources available to you including
the 2018 Benefits Guide, 401(k) Enrollment Guide and HSA User Guide & FAQs. These documents can be found on www.yourbenefitscenter.com. Enroll in 2018 benefits. Once you receive your welcome e-mail,
log onto www.yourbenefitscenter.com to enroll in your 2018 benefits. Upon receipt of the Fidelity enrollment email, log on to Fidelity’s
website, www.401k.com, to enroll in the 401(k) Plan.