Join the plan · 2015-07-24 · Join the plan ASN_OFC.pdf 11.20.2014 The ABC Retirement Plan \r...

$: Join the plan · 2015-07-24 · Join the plan ASN_OFC.pdf 11.20.2014 The ABC Retirement Plan \r Important note: This is a sample enrollment guide and may contain features, investments,$
Because you deserve to retire on your own terms

Join the plan

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The ABC Retirement Plan

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Important note: This is a sample enrollment guide and may contain features, investments, and offerings not supported by your plan. Actual enrollment guides generated for your employees will be customized for your plan.

Saving for retirement is about giving yourself choices.You’re putting yourself in the best position to influence what your retirement will look like. The good news is that your employer has chosen a plan that can help make your vision a reality.

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Join the planOnline: https://myaccount.qa.ascensus.com/rplink

Phone: 866-809-8146 | Form: Go to page 21 Page 1

Planning made easy

■ Why save now? .............................................................................................................................. page 2

■ Why use your plan? ........................................................................................................................ page 4

■ How much is enough? .................................................................................................................... page 5

■ What type of investor are you? ....................................................................................................... page 6

■ What’s next?................................................................................................................................... page 8

Reference materials

■ Investment options ......................................................................................................................... page 9

■ Plan highlights............................................................................................................................... page 17

Forms

■ Enrollment .................................................................................................................................... page 21

■ Rollover......................................................................................................................................... page 23

At Ascensus, we have helped over 6 million Americans save for the future. We partner with your employerand the financial professional for your plan to help you meet your retirement goals. With more than 30 yearsof industry experience, Ascensus has the insight and knowledge to help you succeed.*

Ascensus provides administrative and recordkeeping services and is not a broker-dealer or an investment advisor.

Why save now?A secure retirement won’t just happen. Take ownership of your savings strategy to help ensure you have the resources needed when the time comes.

36% Social Security

All other sources• company retirement plan• pensions• personal savings

and investments• earnings/income• other

64%

Healthcare may be your new mortgage payment.3

While you may have your home paid off by retirement, another large expense is likely to take its place.

Your retirement plan will likely be your largest source of income.4 Social Security may cover only a small portion of what you’ll need—the rest would be up to you.

Living expenses are on the rise.2

Look at how prices for everyday items have increased in the last 20 years.

1 Aon Hewitt, The Real Deal: Retirement Income Adequacy at Large Companies, 2012.

2 Source for eggs per dozen, gas per gallon, coffee per pound: Bureau of Labor Statistics; Source for movie ticket: National Association of Theater Owners.

3 Centers for Medicare & Medicaid Services, National Health Expenditure Projections 2012-2022.

4 Social SecurityAdministration, Fast Facts & Figures about Social Security, 2013.

85%is the amount of your annual income that

many experts estimate you’ll

need for each year of retirement.1

Retirement can be expensive.

While certain expenses may decrease, others will likely increase. And since we are living longer, this may mean needing enough money to last for decades.

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Join the plan Online: https://myaccount.qa.ascensus.com/rplink

Phone: 866-809-8146 | Form: Go to page 21Page 2

Time makes all the difference.

No matter where you are in life, now is always better than later to start saving. Consider the scenario below.

Who do you think comes out ahead?■ Sam starts saving early and keeps saving until retirement.■ Sherry starts saving early, but only saves for 11 years before stopping.■ Sally starts saving later, but saves double what Sam and Sherry save per year.

Projected monthly income in retirement [to age 90]

Saves $250 per month

The results:■ Sam saves the most by more than $300,000.■ Sherry and Sally are neck-and-neck, although Sally contributed much more money to the account.

There can be a cost to delaying saving. Put time on your side.

The illustrations above assume a retirement age of 65 and that the individual receives the monthly retirement payment shown until age 90. The amount saved until retirement assumes an annual investment return of 7%. The monthly payment amount in retirement assumes an annual investment return of 5%. The investment performance shown does not represent the return of any particular investment and does not guarantee any future rate of return.

The final account balance does not reflect any taxes or penalties that may be due upon distribution. Withdrawals from a tax-deferred account before age 59½ are subject to a 10% federal penalty tax unless an exception applies.

Let your money work for you

Saves $250 per month

$4,114per month in retirement



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Why use your plan?

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Your plan offers important savings benefits to help you meet your goals.

ConvenienceA portion of your salary—as determined by you—will be deducted from your paycheck and invested intoyour account.

OwnershipThe money you contribute to your account and any earnings on that money belong to you. You can take itwith you throughout your career and every phase of life to use in retirement.

Tax advantagesYour money can be invested before taxes and grow tax deferred until it’s withdrawn. This reduces your taxableincome each year and may allow your savings to grow faster over time.

Your plan also offers a Roth feature, which allows you to pay taxes up front so you can make withdrawals tax-free during retirement. Typically, the Roth feature is considered to be beneficial in the long term if you are ayounger investor and/or if you think your income taxes will be higher at the time of your retirement.

One spot for all your retirement savingsIf you have a retirement account from a previous employer, you can roll it into your ABC Inc account. Having allyour retirement money in one place may reduce the fees you pay and may make it more convenient for you tomanage your savings strategy. To get started, use the rollover form on page 23.



How much is enough?Many people underestimate how much they’ll need. Saving enough can help you maintain the lifestyle you desire.

Don’t outlast your money.■ Consider saving at least 12% to 15% of your pay [including any contributions your employer might

make].1

■ If you aren’t able to save the maximum amount yet, save as much as possible and plan to make increases each year. Remember, every bit counts.

Make saving a priority.

Life gets busy. Priorities change. Things happen. Still it’s important to stay focused on retirement. Whether you’re faced with financing a car, saving for a vacation, buying a home, or funding a college education, it shouldn’t mean putting retirement savings on the back burner. Unlike other expenses, retirement can’t be financed with a loan and you don’t always have the option of putting it off. You’ll be glad the money is there when you need it.

Create opportunities to save

Brown bag it.2

Monthly savings = $80 Drop cable for

online streaming.3 Monthly savings = $40

Lose the landline.4 Monthly savings = $40

Be a discount shopper.5 Monthly savings = $40

1 Roger Ibbotson, PhD®; James Xiong, Ph.D., CFA; Robert P. Kreitler, CFP®; Charles F. Kreitler; and Peng Chen, Ph.D., CFA, Journal of Financial Planning, National Savings Rate Guidelines for Individuals,” Journal of Financial Planning, April 2007.2 Based on purchasing lunch 20 times a month at a minimum of $7.00 per meal versus packing a $3.00 lunch.3 Chris Morran, “Study: Cable Bills Could Reach $200/Month By 2020,” Consumerist, April 11, 2012. 4 “Average household monthly spending on landline telephone services in the United States between November 2010 and November 2011” Statista, 2013. 5 Based on using a 20% coupon for a purchase of $200 or greater.

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What type of investor are you?You should feel comfortable making investment selections. Knowing what type of investor you are will help you find a suitable approach to keep your savings strategy on target.

• have little time or desire to research investmentoptions on your own, and/or

• are looking for a solution to take the complexity out ofinvestment decision making.

You are a: If you:

Guidedinvestor

• want to stay actively involved in the investment selectionprocess, and/or

• have the time and desire to make investment decisions onyour own.

You are an: If you:

Engagedinvestor

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Guided investorFor guided investors, your plan offers the convenience of professionally managed options that provide astraightforward way to get in the plan and begin saving meaningfully.

The most appropriate target date investment based upon your ageThis is where your savings will be invested if you do not make any investment elections. The specific fundselected is based on when you would reach a target retirement age as selected by the investment.

Target date investmentsThis fund includes a pre-selected investment mix based on when you expect to retire. The investment mix willbe automatically updated for you as you get closer to retirement. Investments in target date funds are subjectto the risks of their underlying funds. The year in the fund name refers to the approximate year (the targetdate) when an investor in the fund would retire and leave the workforce. The fund will gradually shift itsemphasis from more aggressive investments to more conservative ones based on its target date. An investmentin the Target Retirement Fund is not guaranteed at any time, including on or after the target date. Find whereyou belong below.

Target date investment Start YearEnd Year

American Funds 2010 Target DateRetirement Fund® Class R-2 2010 or earlier

American Funds 2015 Target DateRetirement Fund® Class R-2 2011 to 2015




Target date investment Start YearEnd Year




American Funds 2050 Target DateRetirement Fund® Class R-2 2046 or later

If a date of birth is not on record, you will be automatically placed into the American Funds Money Market Fund® Class R-2.

A personalized investment strategy just for youMorningstar® Retirement ManagerSM is a web-based resource available to you once you’ve enrolled inthe plan. When you provide basic information about your situation and goals, the experts at MorningstarAssociates, LLC, will generate a personalized investment strategy.

Engaged investorFor engaged investors, we offer planning tools and resources that empower you to make the best choices foryour personal situation. You can choose from the many investments offered in your plan, using fundinformation provided online or in the Investment options of this book.



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Enrollment is only the first step in getting the most from your plan. Use this checklist to make sure you takeadvantage of all that is available to you. To access a wide range of planning resources designed to help yousucceed, register online at https://myaccount.qa.ascensus.com/rplink.

Your retirement account checklist

Enroll in the plan – Our online enrollment process makes it convenient athttps://myaccount.qa.ascensus.com/rplink

Set and track progress – Set, update, and track your goals using our interactive, online personalplanning calculator.

Simplify – Decide if you want to consolidate your investments by rolling over outside retirementassets into this account.

Learn more – Go to the online learning station for easy access to fund information, educationalguides, relevant financial articles, and tools.

Get professional support – Get the backing of the experts at Morningstar, a leading and trustedsource for investment guidance and expertise. Through Morningstar Retirement Manager, you can:

■ use Morningstar’s resources to create a personalized investment strategy recommended foryou at no cost.

Monitor performance – Make a habit of going online to check your balance, see performancehistory, view account activity, and access your quarterly statements.

Stay informed – Get account updates through our online messaging center.

Update your strategy – At least once a year, make sure your personal goals, savings rate, andaccount settings are in line with your retirement strategy. Do this more frequently if a major lifeevent occurs, such as a raise, marriage, a change in your beneficiaries, or the birth of a child.

Stay connected – Scan this code from your mobiledevice for account access on the go.

Morningstar® Retirement ManagerSM is offered by and is the property of Morningstar Associates, LLC, a registered investmentadvisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates and its affiliates are not related to Ascensus andits affiliates. Morningstar Associates, LLC is not affiliated with Ascensus or any of its affiliates.



Investment optionsName/Type of investment

Annual netexpense ratio

3-MonthTotal

1-YearTotal

3-YearAnnual

5-YearAnnual

10-YearAnnual

SinceInception

InceptionDate

Target dateT

1.41% 0.78% 4.73% 7.29% 7.22% N/A 3.83% 02/01/2007

1.40% 0.92% 4.93% 8.26% 7.78% N/A 4.10% 02/01/2007

1.42% 1.32% 5.48% 9.41% 8.59% N/A 4.28% 02/01/2007

1.45% 1.33% 5.54% 11.07% 9.72% N/A 4.84% 02/01/2007

1.47% 1.92% 6.44% 11.97% 10.29% N/A 5.26% 02/01/2007

1.48% 1.99% 6.65% 12.15% 10.32% N/A 5.28% 02/01/2007

1.48% 2.05% 6.61% 12.32% 10.42% N/A 5.34% 02/01/2007

1.49% 2.04% 6.75% 12.34% 10.44% N/A 5.35% 02/01/2007

1.49% 2.08% 6.74% 12.33% 10.43% N/A 5.35% 02/01/2007

American Funds 2010 Target Date Retirement Fund® Class R-2









R

American Funds American Balanced Fund® Class R-2

1.36% 0.56% 7.23% 11.12% 10.59% 6.37% 6.29% 05/21/2002

1.38% 0.44% 4.41% 8.56% 7.94% 5.60% 6.36% 05/31/2002American Funds Capital Income Builder® Class R-2

EquityE

American Funds Capital World Growth and Income Fund® Class

R-2

1.52% 2.48% 4.28% 11.79% 8.76% 6.98% 8.54% 06/07/2002

American Funds EuroPacific Growth Fund® Class R-2 1.57% 5.71% 1.70% 8.77% 5.95% 6.48% 7.31% 05/31/2002

American Funds New Perspective Fund® Class R-2

1.54% 4.48% 6.96% 12.47% 10.12% 7.96% 7.92% 05/21/2002

American Funds The Growth Fund of America® Class R-2 1.38% 3.23% 11.16% 15.92% 12.53% 7.82% 7.51% 05/21/2002

American Funds Washington Mutual Investors Fund Class R-2 1.35% 0.07% 8.60% 14.51% 13.21% 6.64% 6.07% 05/31/2002

Columbia Acorn Fund Class A 1.08% 3.89% 4.55% 11.58% 12.31% 8.64% 9.81% 10/13/2000

Columbia Large Cap Index Fund Class A 0.45% 0.83% 12.20% 15.59% 13.97% 7.58% 8.26% 10/10/1995

Davis New York Venture Fund Class A 0.86% 1.98% 6.55% 13.89% 11.11% 6.42% 11.83% 02/17/1969

Gabelli Value 25 Fund Class A 1.39% 0.60% 3.71% 13.49% 13.49% 7.63% 10.87% 09/29/1989

Redemption Fee –2.00% if held less than 7 days

BondB

American Funds U.S. Government Securities Fund® Class R-2

1.43% 1.32% 3.65% 0.99% 2.64% 3.26% 3.23% 05/31/2002

0.85% 2.12% 5.23% 3.63% 4.56% 5.80% 6.36% 01/13/1997PIMCO Total Return Fund Class A

Money market/Stable value C

American Funds Money Market Fund® Class R-2

0.65% 0.00% 0.00% 0.00% 0.00% N/A 0.00% 05/01/2009

7-Day SEC Yield as of 03/31/2015 was N/A

As of March 31, 2015



Target Risk

3-monthtotal

1-yeartotal

3-yearannual

5-yearannual

10-yearannual

Benchmark comparisons

Morningstar Large Cap IndexE 10.57% 31.87% 16.20% 17.30% 7.24%

Morningstar Core Bond IndexB 0.25% 1.89% 3.41% 4.23% 4.73%

Morningstar Cash Index C 11.00% 9.00% 5.00% 6.99% 7.99%

Note: Fund fact sheets and prospectuses with more investment information are available online.

Fund DisclosuresThe performance data shown represent pastperformance, which is not a guarantee of futureresults. Investment returns and principal valuewill fluctuate, so investors’ shares, when sold,may be worth more or less than their originalcost. Current performance may be lower orhigher than the performance data cited. Forperformance data current to the most recentmonth-end, visithttps://myaccount.qa.ascensus.com/rplink.Figures for periods of less than one year arecumulative returns. All other figures representannualized returns. Performance data showndoes not reflect the deduction of sales loads orfees, where applicable, and, if reflected, the loador fee would reduce the performance quoted.

A Note About Risk:

All investing is subject to risk, including the possibleloss of the money you invest. Investments that employa “fund of funds” strategy and invest assets in othermutual funds are subject to the risks associated withthose underlying funds.

Investments in Target Retirement Funds are subject tothe risks of their underlying funds. The year in theFund name refers to the approximate year (the targetdate) when an investor in the Fund would retire andleave the work force. The Fund will gradually shift itsemphasis from more aggressive investments to moreconservative ones based on its target date. Aninvestment in the Target Retirement Fund is notguaranteed at any time, including on or after thetarget date.

Although money market funds seek to preserve thevalue of your investment at $1 per share, it is possibleto lose money by investing in a money market fund.Money market funds are neither insured norguaranteed by the Federal Deposit InsuranceCorporation or any other government agency. The 7-day yield more closely reflects the current earnings ofa money market fund than the total return quotations.

The Morningstar benchmarks listed above are provided solely for informational purposes and are not the benchmarks that the funds listed seek to track. The performance of the Morningstar benchmarks is not an exact representation of any particular investment, as you cannot invest directly in a benchmark. For more information about each fund's benchmark, please see the fund's prospectus.

While U.S. Treasury or government agency securitiesprovide substantial protection against credit risk, theydo not protect investors against price changes due tochanging interest rates. While the market values ofgovernment securities are not guaranteed and mayfluctuate, these securities are guaranteed as to thetimely payment of principal and interest.

Prices of mid-cap stocks often fluctuate more thanthose of large-company stocks.

Foreign investing involves additional risks includingcurrency fluctuations and political uncertainty.



Bond funds contain interest rate risk, the risk of issuer default, and inflation risk.



Morningstar data ©2015 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

PIMCO Total Return Fund invests in derivatives.Derivatives are subject to a number of risks, such asliquidity risk, interest rate risk, market risk, credit risk,and management risk. A fund investing in a derivativeinstrument could lose more than the principalamount invested.

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Investment options

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Ticker: RBATXExpense Ratio: 1.41%

Fund Description: The investment seeks growth, income and conservation of capital. The fund normally invests a

greater portion of its assets in bond, equity income and balanced funds as it approaches and passes its target date. It

attempts to achieve its investment objectives by investing in a mix of American Funds in different combinations and

weightings. The underlying American Funds represent a variety of fund categories such as growth funds, growth-and-

income funds, equity-income funds and a balanced fund and bond funds. The fund categories represent differing

investment objectives.


Ticker: RBJTXExpense Ratio: 1.40%








Ticker: RBCTXExpense Ratio: 1.42%








Ticker: RBDTXExpense Ratio: 1.45%








Ticker: RBETXExpense Ratio: 1.47%



attempts to achieve its objectives by investing in a mix of American Funds in different combinations and weightings.

The underlying American Funds represent a variety of fund categories such as growth funds, growth-and-income

funds, equity-income funds and a balanced fund and bond funds. The fund categories represent differing investment

objectives.


Ticker: RBFTXExpense Ratio: 1.48%






objectives.




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Ticker: RBKTXExpense Ratio: 1.48%








Ticker: RBHTXExpense Ratio: 1.49%






objectives.


Ticker: RBITXExpense Ratio: 1.49%







American Funds American Balanced Fund® Class R-2

Ticker: RLBBXExpense Ratio: 1.36%

Fund Description: The investment seeks conservation of capital, current income and long-term growth of capital and

income. The fund uses a balanced approach to invest in a broad range of securities, including common stocks and

investment-grade bonds. It also invests in securities issued and guaranteed by the US government and by federal

agencies and instrumentalities. In addition, the fund may invest a portion of its assets in common stocks, most of

which have a history of paying dividends, bonds and other securities of issuers domiciled outside the United States.

American Funds Capital Income Builder® Class R-2

Ticker: RIRBXExpense Ratio: 1.38%

Fund Description: The investment seeks a level of current income and a growing stream of income over years, growth

of capital is the secondary objective. The fund normally invests at least 90% of its assets in income-producing

securities (with at least 50% of its assets in common stocks and other equity securities). It primarily invests in a broad

range of income-producing securities, including common stocks and bonds. The fund may also invest significantly in

common stocks, bonds and other securities of issuers domiciled outside the United States.

American Funds Capital World Growth and Income Fund® Class R-2

Ticker: RWIBXExpense Ratio: 1.52%

Fund Description: The investment seeks long-term growth of capital while providing current income. The fund invests

primarily in common stocks of well-established companies located around the world, many of which have the

potential to pay dividends. It invests, on a global basis, in common stocks that are denominated in US dollars or other

currencies. Under normal market circumstances, the fund invests a significant portion of its assets in securities of

issuers domiciled outside the United States. The fund may also invest in issuers in developing countries.




Investment options

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American Funds EuroPacific Growth Fund® Class R-2

Ticker: RERBXExpense Ratio: 1.57%

Fund Description: The investment seeks long-term growth of capital. The fund invests primarily in common stocks of

issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth

stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation. It

normally invests at least 80% of net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest

a portion of its assets in common stocks and other securities of companies in countries with developing economies

and/or markets.

American Funds New Perspective Fund® Class R-2

Ticker: RNPBXExpense Ratio: 1.54%

Fund Description: The investment seeks long-term growth of capital; future income is a secondary objective. The fund

seeks to take advantage of investment opportunities generated by changes in international trade patterns and

economic and political relationships by investing in common stocks of companies located around the world. In

pursuing its primary investment objective, it invests primarily in common stocks that the investment adviser believes

have the potential for growth. In pursuing its secondary objective, the fund invests in common stocks of companies

with the potential to pay dividends in the future.

American Funds The Growth Fund of America® Class R-2

Ticker: RGABXExpense Ratio: 1.38%

Fund Description: The investment seeks growth of capital. The fund invests primarily in common stocks and seeks to

invest in companies that appear to offer superior opportunities for growth of capital. It may invest a portion of its

assets in securities of issuers domiciled outside the United States. The investment adviser uses a system of multiple

portfolio counselors in managing the fund's assets. Under this approach, the portfolio of the fund is divided into

segments managed by individual counselors who decide how their respective segments will be invested.

American Funds Washington Mutual Investors Fund Class R-2

Ticker: RWMBXExpense Ratio: 1.35%

Fund Description: The investment seeks to produce income and to provide an opportunity for growth of principal

consistent with sound common stock investing. The fund invests primarily in common stocks of established companies

that are listed on, or meet the financial listing requirements of, the New York Stock Exchange and have a strong record

of earnings and dividends. Its advisor strives to maintain a fully invested, diversified portfolio, consisting primarily of

high-quality common stocks.

Columbia Acorn Fund Class A

Fund Description: The investment seeks long-term capital appreciation. Under normal circumstances, the fund invests a

majority of its net assets in the common stock of small- and mid-sized companies with market capitalizations under $5

billion at the time of initial investment. It invests the majority of its assets in US companies, but also may invest up to

33% of its total assets in foreign companies in developed markets (for example, Japan, Canada and the United

Kingdom) and in emerging markets (for example, China, India and Brazil).

Columbia Large Cap Index Fund Class A

Fund Description: The investment seeks total return before fees and expenses that corresponds to the total return of

the Standard & Poor's (S&P) 500® Index. Under normal circumstances, the fund invests at least 80% of its net assets

(including the amount of any borrowings for investment purposes) in common stocks that comprise the S&P 500 Index

(the index). In seeking to match the performance of the index, the Investment Manager attempts to allocate the fund's

assets among common stocks in approximately the same weightings as the index. The fund may invest in derivatives,

consisting of stock index futures, as substitutes for the underlying securities in the index.




Ticker: LACAXExpense Ratio: 1.08%

Ticker: NEIAXExpense Ratio: 0.45%

Investment options

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Davis New York Venture Fund Class A

Fund Description: The investment seeks long-term growth of capital. Davis Selected Advisers, L.P. ("Davis Advisors" or

the "Adviser"), the fund's investment adviser, uses the Davis Investment Discipline to invest Davis New York Venture

Fund's portfolio principally in common stocks (including indirect holdings of common stock through depositary

receipts) issued by large companies with market capitalizations of at least $10 billion. Historically, the fund has

invested a significant portion of its assets in financial services companies and in foreign companies, and may also

invest in mid- and small-capitalization companies.

Gabelli Value 25 Fund Class A

Fund Description: The investment seeks long term capital appreciation. The fund invests primarily in equity securities of

companies which Gabelli Funds, LLC, the fund's investment adviser (the "Adviser") believes are undervalued and have

the potential to achieve significant capital appreciation, overweighting its core twenty-five equity positions. The

Adviser invests in companies whose securities are selling at a significant discount to their private market value

("PMV").

American Funds U.S. Government Securities Fund® Class R-2

Ticker: RGVBX Expense Ratio: 1.43%

Fund Description: The investment seeks to provide a high level of current income consistent with prudent investment

risk and preservation of capital. Normally at least 80% of the fund's assets will be invested in securities that are

guaranteed or sponsored by the US government, its agencies and instrumentalities, including bonds and other debt

securities denominated in US dollars. The fund may also invest in mortgage-backed securities issued by federal

agencies and instrumentalities that are not backed by the full faith and credit of the US government. The fund invests

in debt securities with a wide range of maturities.

PIMCO Total Return Fund Class A

Fund Description: The investment seeks maximum total return, consistent with preservation of capital and prudent

investment management. The fund normally invests at least 65% of its total assets in a diversified portfolio of Fixed

Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options,

futures contracts, or swap agreements. It invests primarily in investment-grade debt securities, but may invest up to

10% of its total assets in high yield securities ("junk bonds") rated B or higher by Moody's, or equivalently rated by

S&P or Fitch, or, if unrated, determined by PIMCO to be of comparable quality.

American Funds Money Market Fund® Class R-2

Ticker: RABXXExpense Ratio: 0.65%

Fund Description: The investment seeks income while preserving capital and maintaining liquidity. The fund invests

substantially in US Treasury securities and other securities backed by the full faith and credit of the US government, as

well as securities issued by US federal agencies. It may also invest in other high-quality money market instruments. The

fund may invest in securities issued by entities domiciled outside the United States and securities with credit and

liquidity support features provided by entities domiciled outside of the United States. It may also invest in securities of

US issuers with substantial operations outside the United States.

Note: Fund fact sheets and prospectuses with more investment information are available online.




Ticker: NYVTXExpense Ratio: 0.86%

Ticker: NYVTXExpense Ratio: 0.86%

Ticker: PTTAXExpense Ratio: 0.85%

Plan highlights

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Eligibility requirements

To begin contributing to the plan, you must meet thefollowing requirements. Continue reading for moredetails on the types of contributions available.

Your deferral contributions

All contribution requirements■ You must be at least 18 years of age.■ You must have worked at least 3 months as

defined by the plan.■ All service requirements to join the plan have

been waived.

The following employees are excluded:■ Union employees

Enrollment period (entry date)

If you meet eligibility requirements, you may enroll inthe plan on your entry date, 06/01/2015.

Your deferral contributions

Pretax deferralsPretax deferrals are contributed into the plan on apretax basis. Unlike the compensation you actuallyreceive, pretax deferrals will not be taxed at the timethey are paid by your employer. Instead, thesedeferrals and any earnings accumulated whileinvested in the plan will be taxable to you whenwithdrawn from the plan. This will reduce yourtaxable income for each year that you make acontribution. Through payroll deduction, you cancontribute from 1% up to 100% of your salarypretax as long as the amount does not exceed$18,000, which is the maximum limit for 2015 set bythe Internal Revenue Service (IRS).

Roth deferralsRoth deferrals are contributed to the plan fromamounts that have already been treated as taxableincome. Roth deferrals will not reduce your taxableincome in the year in which you contribute a portionof your compensation into the plan. You may

contribute from 1% up to 100% of your salary as aRoth deferral as long as the total amount, whencombined with any pretax deferrals, does not exceedthe IRS contribution limit of $18,000 for 2015.

When Roth deferrals are withdrawn, distributions—including contributions and any earnings—are taxfree as long as certain requirements are met. In orderto receive tax-free withdrawals, generally your moneymust remain in the account for five years and youmust have reached age 59½, die, orbecome disabled.

Catch-up contributionsIf you are age 50 or older, you are entitled tocontribute an additional “catch-up contribution”beyond the maximum IRS limit of $18,000 for 2015.This is intended to help employees boost their savingsprior to retirement. The maximum catch-upcontribution is $6,000 for 2015.

Employer contributions

Safe harbor 401(k) contributionsYour employer will make what is known as a “safeharbor” 401(k) matching contribution on yourbehalf. Please see your summary plan description forfurther details.

Rollovers

Many individuals find it helpful to maintain theirretirement savings in one place. You are allowed toroll over money from other qualifying retirementaccounts into this account using the form onpage 23.

There are important factors to consider when rollingover assets from an IRA or an employer retirementplan account. These factors include, but are notlimited to, investment options in each type ofaccount, fees and expenses, available services,potential withdrawal penalties, protection fromcreditors and legal judgments, required minimumdistributions, and tax consequences of rolling overemployer stock to an IRA.



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Vesting

Vesting refers to the amount of your retirementaccount savings that belongs to you.■ The money that you contribute from your salary

and the money it earns are always 100% vested.■ Any rollover contributions you make are always

100% vested.■ The money contributed on your behalf by your

employer becomes vested based on the schedule(s)below:

Safe harbor match contribution vesting schedule__________________________________________________________________________________________

You are immediately vested

Contribution changes

As you review and refine your savings strategy overtime, you may choose to change the amount yousave or how you invest your money. You may stopmaking or change contributions by going online orby contacting your employer. Once stopped, youhave the option to begin contributing again inaccordance with your plan’s policy as noted here.

Withdrawals

Money can be withdrawn from your account if:■ You are age 59½ or older.■ You request an in-service withdrawal as defined

by your plan.■ You no longer work for ABC Inc.■ Death■ Disability■ You experience a qualifying financial hardship,

which, in general, can include the following:■ the purchase of your primary residence■ payment of tuition and related costs for you,

your spouse, dependents, or children who areno longer your dependents for post-secondaryeducation

■ payment of certain medical expenses

■ prevention of eviction from or foreclosure onyour primary residence

■ funeral/burial expenses for a parent, spouse,child, or dependent

■ repair of qualifying damages to your primaryresidence

Note: Withdrawals of certain types of electeddeferrals and employer contributions may be subjectto restrictions.

There are certain penalties and tax implications youshould consider before making a withdrawal. Ingeneral, if you take a distribution from the planbefore you are age 59½, a 10% early distributionpenalty will apply to the taxable portion of yourdistribution. There are some exceptions to the10% penalty.

In addition, if your distribution is eligible to be rolledover into another qualifying retirement account (e.g.,an individual retirement account or IRA) and youchoose to take the distribution rather than roll overthe amount, 20% of the distribution must bewithheld and remitted to the IRS as a credit towardthe taxes you will owe on the distribution amount.

Your tax professional can provide guidance onpotential outcomes of withdrawing money fromyour account.

Summary Plan Description

This enrollment guide offers an overview of The ABCRetirement Plan. Greater detail and other importantinformation about the plan’s features and benefitsare available in the Summary Plan Description (SPD),which will be provided to you separately. You areencouraged to review the SPD carefully and contactyour employer with any questions. You may alsoexamine a copy of the plan document, whichcontains all of the provisions that the IRS requires, bymaking arrangements with your employer. If thereare any inconsistencies between this enrollment



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guide, the SPD, and the plan document, the plandocument will be followed.



Stay focused

Investing for retirement is a long term endeavor. With a plan in place, you can start enjoying peace of mind and confidence in what lies ahead.



Enrollment form first middle initial last

Name __________________________________________________________________________________________________________

Social Security number ________________________ Email ____________________________________________________________

Plan ID _________________________

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Join the plan—you have options for enrolling.l Online: https://myaccount.qa.ascensus.com/rplinkl Phone: 866-809-8146l Paper: Complete this form and return it to your employer.

My savings

Important: This form may only be used to enroll in your plan or to decline participation. This form may not be used for any other purpose, including rollovers or changes to your account. If this form is used for any other purpose, your elections on this form will not be implemented. Account changes need to be completed online or by phone using the contact information provided above.

Choose how much you would like to save. Your elections must be made in increments of 1%. Additional information on tax benefits isprovided under “Your deferral contributions” in the plan highlights section of this guide. You may choose more than one option.

o Pretax Savings

______% of my compensation each pay period will be deposited into my pretax retirement account.

o Roth savings

______% of my compensation each pay period will be deposited into my Roth retirement account.

o I decline to participate in the plan.

I understand I can change this decision at any time.

Know your limits: The total amount you save in the plan cannot exceed the lesser of either 100% of your annual pay or $18,000

for the 2015 calendar year.

Continued on back

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(Enrollment form page 1 of 2)Page 21

Enrollment form first middle initial last

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Social Security number ________________________ Email ____________________________________________________________

Plan ID _________________________

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My investments Choose one or more investments as long as the total amounts to 100%. Your elections must be made in increments of 1%. Helpfulinformation on choosing investments is available in the “What type of investor are you?” section of this book.

Investment name Investment %

Target date

American Funds 2010 Target DateRetirement Fund® Class R-2 _______%American Funds 2015 Target DateRetirement Fund® Class R-2 _______%American Funds 2020 Target DateRetirement Fund® Class R-2 _______%American Funds 2025 Target DateRetirement Fund® Class R-2 _______%American Funds 2030 Target DateRetirement Fund® Class R-2 _______%American Funds 2035 Target DateRetirement Fund® Class R-2 _______%American Funds 2040 Target DateRetirement Fund® Class R-2 _______%American Funds 2045 Target DateRetirement Fund® Class R-2 _______%American Funds 2050 Target DateRetirement Fund® Class R-2 _______%

Target risk

American Funds American BalancedFund® Class R-2 _______%American Funds Capital Income Builder®Class R-2 _______%


Equity

American Funds Capital World Growth andIncome Fund® Class R-2 _______%American Funds EuroPacific GrowthFund® Class R-2 _______%American Funds New PerspectiveFund® Class R-2 _______%American Funds The Growth Fund ofAmerica® Class R-2 _______%American Funds Washington MutualInvestors Fund Class R-2 _______%Columbia Acorn Fund Class A _______%Columbia Large Cap Index Fund Class A _______%Davis New York Venture Fund Class A _______%Gabelli Value 25 Fund Class A _______%

Bond

American Funds U.S. GovernmentSecurities Fund® Class R-2 _______%PIMCO Total Return Fund Class A _______%

Money market/Stable value

American Funds Money MarketFund® Class R-2 _______%

If you don’t make an investment election, you will be invested in the most appropriate target date investmentbased upon your age.

My signature

Signature __________________________________________________________________________________ Date __________________

Your signature serves as acknowledgement that you agree to join the plan and authorizes payroll deductions from your compensation as indicated on this form. This election will remain in effect until you choose to change or discontinue payroll deductions.

Employer use only

Signature of plan administrator ______________________________________________________________ Date _________________

Note: To process this request in the most efficient manner, please use your employer website.

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(Enrollment form page 2 of 2)Page 22

Rollover form instructions

Review this information before completing the rollover form on the following pages.

• What is a rollover?

A rollover contribution is generally a tax-free movement of retirement plan assets from one retirement plan or a traditional or

SIMPLE IRA into another plan. This enables you to consolidate retirement assets while avoiding tax or withdrawal penalties.

• How do I roll over my assets?

By completing Part 1 and 2 of this rollover form and writing (or endorsing) your rollover check to the trustee or

custodian, you can complete a rollover contribution to this plan.

- Part 1 of the form (on the back of this page) is what you will need to request a check to transfer your assets. The check

should be returned to Ascensus Trust per the instructions on the form.

- Part 2 of the form provides instructions on how to treat your rollover contribution. This form should be returned to your

employer.

Important:

Review both Part 1 and Part 2 of the form carefully before taking action. Knowing what information you will need at each point

will be helpful when you begin the process of rolling over your account. Your employer may ask you for additional information in

order to verify that the funds you are contributing qualify as a rollover contribution.

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Rollover form – Part 1Check request

first middle initial lastName __________________________________________________________________________________________________________

Social Security number ________________________ Email ___________________________________________________________

Plan ID _________________________

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Request a check and have it sent to Ascensus.l Contact your retirement plan/account service provider to request a withdrawal of your account assets in the form of a check.l The check should be payable to Ascensus and include the Plan ID (provided above).l Mail the check to:

Ascensus Trust Company

1126 Westrac Dr. Green Bay,

WI 54301

l Your prior retirement plan/account service provider can send the check directly to Ascensus. If instead the check is being returned

to you, you must complete Part 1 of the rollover form (i.e., this page) and send it along with your check to Ascensus. If you are

sending more than one rollover check, use a separate form for each check.

My check detailsDollar amount on check: $_________________Date sent to Ascensus (mm/dd/year): ________________

Submitted by___________________________________________________________________________ Date___________________First middle initial last

Important:l If the check is payable to you, you have 60 days to roll over the funds (i.e. have the check deposited into your employer’s plan) or

the entire amount becomes taxable.l If you have any questions, please contact Participant Services at 866-809-8146.

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(Rollover form/Check request - page 1 of 1)Page 24

Complete and return Part 2 of the Rollover form to your employer.

Important:

• This form may only be used to move (i.e., roll over) retirement plan assets from a retirement plan, traditional IRA, or SIMPLE

IRA into your employer’s plan.

• This form may not be used to request a rollover from this plan to another retirement plan.

• If more than one rollover contribution is being sent, use a separate form for each rollover contribution.

• If this rollover contribution is being made during or after the first year for which you must take a required minimum

distribution, you cannot roll over any amount which constitutes a required minimum distribution. Please check with your

employer for more information about this rule.

My savings 1. The amount of my rollover contribution is $ (amount on check)

2. The amount of my rollover contribution attributable to after-tax (non-Roth) contributions is $

3. The amount of my rollover contribution attributable to Roth contributions is $

The date of my first Roth contribution was

4. The amount of my rollover contribution attributable to an in-plan Roth rollover completed under another

plan is $

oThe year in which I completed the in-plan rollover for the amount I am rolling over into the plan

was

5. The amount of my plan rollover contribution that is an indirect in-plan Roth rollover is $

6. The rollover contribution is from the following type of plan: oQP/401(k)/Roth401(k) plan o403(a) plan

o403(b) plan oGovernmental 457(b) plan

oTraditional IRA oSIMPLE IRA

oCurrent plan

Note: If necessary, the retirement plan/account service provider can provide the information requested above.

Continued on back

Employer use only: Upon receipt of this form, verify that the plan document permits rollover contributions and that the rollover

contribution qualifies for rollover treatment and that all information provided by the participant is accurate and complete.

Rollover form – Part 2Savings and investment elections



Plan ID _________________________

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l If you are completing an indirect in-plan Roth rollover, the taxable amount of your rollover will be included in income. Your plan

administrator may ask for additional information in order to verify that the funds you are contributing qualify as a rollover

contribution.

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(Rollover form/Savings and investment elections - page 1 of 4)Page 25




Plan ID _________________________

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My investments You have choices for investing your rollover assets. Helpful information on selecting investments is available in the “What type ofinvestor are you?” section of this book.

Invest my rollover contribution according to my current investment elections.

o Check this box to invest your entire rollover contribution in the same funds and percentages you previously selected for your

retirement plan contributions.

Make new investment elections for my rollover contribution.

o Check this box if you choose to invest your rollover contribution in different funds and/or percentages than you previously selected.

Choose one or more investments as long as the total amounts to 100%. Your elections must be made in increments of 1%.

Create a custom mixChoose one or more investments as long as the total amounts to 100%. Your elections must be made in increments of 1%.


Target date

American Funds 2010 Target DateRetirement Fund® Class R-2 _______%American Funds 2015 Target DateRetirement Fund® Class R-2 _______%American Funds 2020 Target DateRetirement Fund® Class R-2 _______%American Funds 2025 Target DateRetirement Fund® Class R-2 _______%American Funds 2030 Target DateRetirement Fund® Class R-2 _______%American Funds 2035 Target DateRetirement Fund® Class R-2 _______%American Funds 2040 Target DateRetirement Fund® Class R-2 _______%American Funds 2045 Target DateRetirement Fund® Class R-2 _______%American Funds 2050 Target DateRetirement Fund® Class R-2 _______%

Target risk

American Funds American BalancedFund® Class R-2 _______%American Funds Capital Income Builder®Class R-2 _______%


Equity

American Funds Capital World Growth andIncome Fund® Class R-2 _______%American Funds EuroPacific GrowthFund® Class R-2 _______%American Funds New PerspectiveFund® Class R-2 _______%American Funds The Growth Fund ofAmerica® Class R-2 _______%American Funds Washington MutualInvestors Fund Class R-2 _______%Columbia Acorn Fund Class A _______%Columbia Large Cap Index Fund Class A _______%Davis New York Venture Fund Class A _______%Gabelli Value 25 Fund Class A _______%

Bond

American Funds U.S. GovernmentSecurities Fund® Class R-2 _______%PIMCO Total Return Fund Class A _______%

Money market/Stable value

American Funds Money MarketFund® Class R-2 _______%

If you don’t make an investment election, you will be invested in the most appropriate target date investmentbased upon your age.

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My signature

Signature __________________________________________________________________________________ Date __________________

Your signature serves as acknowledgement that you agree to join the plan and authorizes payroll deductions from your compensation as indicated on this form. This election will remain in effect until you choose to change or discontinue payroll deductions.

Employer use only

Signature of plan administrator ______________________________________________________________ Date _________________

Note: To process this request in the most efficient manner, please use your employer website.

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THIS PAGE INTENTIONALLYLEFT BLANK


This is your opportunity. The decision to save today can shape your future. You’ll thank yourself later.

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Ascensus provides administrative and recordkeeping services and is not a broker-dealer or an investment advisor. Ascensus® and the Ascensus logo are registered trademarks of Ascensus, Inc. Copyright ©2015 Ascensus, Inc. All rights reserved. ASCS-BRC-00134 (02/15)

Retire ready. Retire happy.

Join the plan

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Join the plan · 2015-07-24 · Join the plan ASN_OFC.pdf 11.20.2014 The ABC Retirement Plan \r...

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