Broadridge Booklet

TA K E T H E F I R S T S T E P
TO WA R D S AV I N G F O R R E T I R E M E N T

. . . . . . . . . . . . . . . .

USE THIS
GUIDE TO PLAN
FOR YOUR
RETIREMENT
. . . . . . . . . . . . . . . .

ABC Company
401(k) Savings Plan
C O M P A N Y

GET IN THE SWING OF THINGS!
THE PLAN IS IN PLACE ALL WE NEED IS YOU

The average American has more than eight jobs
throughout his work life. And when your working years
are over, you may spend 30 years in retirement. One of
the best ways to make sure you have the savings you
need is to save in your employer’s retirement plan.

WELCOME TO THE PLAN!

Now that you’re eligible, consider enrolling in the
ABC Company 401(k) Savings Plan to ensure you have
the money you need in the future. Plan today for
tomorrow by taking a few minutes to read this booklet
and enroll today.

IN THIS BOOKLET

INTRODUCTION
S I G N U P TO D AY !
B E N E F I T S O F PA R T I C I PAT I N G
Enroll online www.yourplanurl.com
SELECTING INVESTMENTS OR call 1-800-123-4567
OR use the form inside this booklet
ACC E S S I N G YO U R ACCO U N T
IT’S EASY

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tristique, ipsum quis pharetra laoreet, justo est at

S T E P 1

3 WAYS T H E P L A N MA K E S YO U C A N’ T R E LY O N LY O N
IT EASY TO SAVE SOCIAL SECURITY

Financial experts say you’ll need from 70% to
1 IT’S CONVENIENT
90% of your pre-retirement income to maintain
The ABC Company 401(k) Savings Plan lets your standard of living in retirement.
you contribute up to xx% of your pay through
automatic payroll deductions. The IRS caps Where will it come from? Today, Social Security
your contributions at $16,500 for 2010. If accounts for just over one-third of the income
you will be age 50 or older by the end of the of the average retired American. The truth is
year and you are already contributing the that your retirement savings, as well as other
maximum allowed by the IRS, you can save personal income sources, will be the key to
even more by making additional catch-up your future nancial security.
contributions of up to $5,500 in 2010.

Social Security
2 YOUR EMPLOYER
HELPS YOU SAVE
36%
For every $1 put into a plan account, the
company contributes 50 cents, up to 6%
of annual compensation. That’s like getting
free money! YOUR FUTURE
RETIREMENT
INCOME
TAX
3 BENEFITS

Because plan contributions are made before

64%
taxes are calculated, more income stays in
your pocket. The plan’s tax breaks may help
you keep more of your money today and Personal Sources
tomorrow. (retirement savings, pensions, asset income, earnings, other)

Source: Social Security Administration, Income of the
Aged Chartbook, 2008. April 2010

THE BENEFITS OF YOUR PLAN
WHEN YOU LOOK CLOSER, THE DECISIONS BECOME EASIER

P O R TA B I L I T Y, C H O I C E , A N D
TAX ADVANTAGES

The plan o ers an unbeatable combination of
bene ts, including:

PORTABILIT Y

You are 100% vested in your own contributions and
any rollover contributions you make to the plan, as well
as any earnings on those contributions. It’s an account
you can take with you throughout your career.

If you have an account from a previous employer, you
can roll it into your account with the ABC Company MORE SAVINGS,
401(k) Savings Plan. Having all your retirement money LO W E R TAX E S TO DAY
in one account can make it easier to manage.
You contribute before-tax dollars to your company
retirement plan, which lowers your taxable income.
SIMPLE INVESTMENT CHOICES Now let’s see how that adds up.

The plan o ers easy one-step diversi ed investment Not in In the
options—LifeCycle Funds, or you can create your own the plan plan
investment mix from among the plan’s other choices.
Your plan also o ers an automatic account rebalancing Annual pay $40,000 $40,000
service to help keep your assets allocated properly. 3% contribution (3%) $0 $1,200

TAX SAVINGS Company match $0 $600
Annual
Saving for retirement will cost you less than you think. savings amount $0 $1,800
Because of the tax breaks your 401(k) o ers, each dollar
you contribute will cost you less than a dollar from your Taxable pay $40,000 $38,800
paycheck. Consider the following illustrations for
Taxes due $10,000 $9,700
a 30-year-old earning $40,000.
Annual tax savings $0 $300

+
Contributing $1,200 a year could result
in $1,800 in retirement savings and could
reduce your current taxable income!

Assumes an annual salary of $40,000 and a marginal
Federal tax rate of 25%.

2 | www.yourplanurl.com

S T E P 2

A LITTLE MORE CAN MAKE
A B I G D I F F E R E N C E L AT E R

Can’t a ord to save right now? Even a small amount
invested on a regular basis can make a di erence over A LITTLE MORE
time. Investors often nd ways to lower household G O E S A LO N G WAY
expenses to allow for higher savings.
With tax-deferred compounding,
S TA R T S AV I N G E A R LY a company match, and time
working for you, here’s what
Start saving as much as you can, as early as you can. contributing even 2% more
Try to work up to the percentage that provides the could mean at age 65. CO N T R IBUTION
maximum matching dollars from your employer. R ATE
Consider increasing your contribution just 1% a year,
each year. Contributions: $42,000

For example, suppose you contribute $300 per month
to your traditional 401(k) and earn an average annual
8 percent rate of return. If you participate for 20 years,
Company Match:
Potential Account
Balance at age 65 $321,385
$21,000
3 %

the account could be worth $178,184. But if you had
started 10 years earlier and contributed at the same Contributions: $70,000

5%
rate for 30 years, your account could be worth nearly Company Match: $35,000
three times that — $450,388.
Potential Account

Contributions: $98,000
Company Match:
Potential Account
$42,000
7 %

+
If your situation changes, the plan allows
you to make adjustments at any time.
Example shown is for a 30-year-old, retiring
at age 65, annual compensation of $40,000.
Potential account balance includes compa-
ny match of 50% on the rst 100% deferred,
For more plan speci cs, see the Plan up to 6% of annual compensation. The IRS
Highlights in the back of this booklet. limit for contributions is $16,500 in 2010.
Numbers rounded to the nearest whole
dollar. Also assumes an 8% rate of return.

ABC Company 401(k) Savings Plan | 3

CHOOSE YOUR INVESTMENTS
F I N D A F I T T H AT ’S CO M F O R TA B L E A N D H E L P S YO U M E E T YO U R G OA L S

Selecting investments is a personal choice based on
how much risk you are comfortable with and how
many years you will invest your money. Picking the
most suitable investments is easier if you know the
three most common types of investments:

 Stock investments are ownership in one or
more companies.

 Bond investments are loans to government
entities or companies that usually pay interest
regularly until they mature.
AVERAGE ANNUAL RETURNS
 Money market investments are short-term OVER TIME
loans to a government or highly rated company.
Historically, stocks have exposed investors to
greater risks but provided higher returns

9.6%
Stocks
D I V E R S I F I C AT I O N 5.9 % Higher risk
POTENTIAL RETURN

Higher return
CAN REDUCE RISK OVER TIME

You can reduce your investment risk by practicing 3.8% Bonds
Medium risk
diversi cation, which is investing in di erent types of Medium return
investments. Diversi cation cannot guarantee your Money
account will never go down, but it generally works Markets
Lower risk
because various types of investments rarely perform
Lower return
exactly the same way at the same time.

POTENTIAL RISK

Source: 1925-2008. Source: Stocks, Bonds, Bills & In ation 2010
Yearbook, Morningstar, Inc. Data is based on the S&P 500 Composite
Index for stocks, Citigroup Long-Term High Grade Corporate Index for
bonds, and a U.S. Treasury one-bill portfolio for cash. Past perfor-
mance does not guarantee future results.


S T E P 3

S E L E C T T H E I N V E S T M E N T S T H AT
ARE RIGHT FOR YOU

How much time, interest, and con dence do you have
in investing? If you answered “not much,” consider YEARS TO
the Lifecycle Funds. If you answered “some” or “a lot,” RETIREMENT
you may want to put together your own portfolio of
investments. L I F E C YC L E I N CO M E F U N D
40% Money Market
Lifecycle Funds 40% Bond NOW
If you want a ready-made, diversi ed investment that 20% Stocks
is professionally managed, you can invest in LifeCycle Very Conservative: Least Risk/Return Potential
Funds based on the year you plan to retire. It’s that
simple! 2020 L I F E C YC L E F U N D
Create your own investment mix 25% Money Market 10
If you want more hands-on control of your 35% Bond YEARS
investments, choose among the mutual funds your 40% Stocks
Conservative: Low Risk/Return Potential
plan o ers. Mutual funds make investing easier
because investment professionals manage the
holdings within each fund, buying and selling those 2030 L I F E C YC L E F U N D
holdings to help investors make money. Each fund may 15% Money Market 20
invest in hundreds or thousands of di erent holdings. 25% Bond YEARS
60% Stocks
Your investment options are provided on page 15. Moderate: Moderate Risk/Return Potential

2040 L I F E C YC L E F U N D
5% Money Market 30
15% Bond YEARS
80% Stocks
Aggressive: High Risk/Return Potential

? What investment strategy is right for you?
Consider how long you will be investing, your
2050 L I F E C YC L E F U N D
5% Money Market 40
other investments, and your comfort level with risk. 5% Bond YEARS
90% Stocks
Very Aggressive: Highest Risk/Return Potential


ACT NOW E N R O L L T O D AY !
N O M O R E D E C I S I O N S . J U S T T A K E T H E L A S T S T E P A N D S I G N U P.

S T E P 4

You understand how important it is to start saving for

your future. You’ve learned about the bene ts of saving

in the ABC Company 401(k) Savings Plan. You’ve decided CALL TO ENROLL
1.800.123.4567
how much to contribute to the plan and chosen your
Press “5” to Enroll by Phone. Use the last 4 digits
investment options. The only thing left to do is enroll. of your Social Security Number as your initial
Personal Identi cation Number (PIN), and
then just follow the prompts to complete the
enrollment process. You will also need to submit
a completed Bene ciary Designation form to
complete your enrollment.

CLICK TO ENROLL
W W W.YO U R P L A N U R L.CO M

Visit the enrollment website at www.yourplanurl.
com. Click on “Plan Enrollment.” Use your last
name and the last 4 digits of your Social Security
Number to log in. Then ll in the required elds
to complete the enrollment process. You will
also need to submit a completed Bene ciary
Designation form to complete your enrollment.

MAIL TO ENROLL

Simply complete the forms on the following
pages and return them. If you have any questions,
please see your Plan Administrator or call
1.800.123.4567 1.800.123.4567.

W W W. YO U R P L A N U R L . CO M


ENROLLMENT FORM
I N S T R U C T I O N S O R OT H E R I N F O H E R E

STEP ONE:

STEP TWO:

STEP THREE:


N OT E : B A C K O F F O R M I N T E N T I O N A L LY L E F T B L A N K


BENEFICIARY FORM

STEP ONE:

STEP TWO:

STEP THREE:


R O L LO V E R F O R M

STEP ONE:

STEP TWO:

STEP THREE:


INVESTMENT PERFORMANCE
CHOOSE YOUR INVESTMENTS LIKE A PRO

YOUR INVESTMENT OPTIONS

Aliquam tristique quam at felis. Morbi vehicula risus sit amet metus ibus  5 Lifestyle investments
purus metus eu lacus aenean lobortis rutrum tellus. Proin viverra metus  2 Money market investments
id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra
aenean lobortis rutrum tellus.  2 Bond investments
 10 Stock investments

ABC Investnow Income Lifecycle Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Inception date: 1/1/1997 Fund description: Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Cras consectetuer tempus diam. Cras bibendum
Ticker: ABCILF iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.
Expense ratio: 0.94 Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat
Benchmark: Russell 2000 Value dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent
taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos.

ABC Investnow 2020 Lifecycle Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Inception date: 1/1/1997 Fund description: Cras consectetuer tempus diam. Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed
Ticker: ABC20L ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut
Expense ratio: 0.94 nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu
Benchmark: Russell 2000 Value lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia
nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, consectetuer adipiscing elit.


Inception date: 1/1/1997 Fund description: Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula
Ticker: ABC30L vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius,
Expense ratio: 0.94 nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante.
Benchmark: Russell 2000 Value Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, con-
sectetuer adipiscing elit. Cras consectetuer tempus diam. Cras bibendum iaculis orci.


Ticker: ABC40L iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.


Ticker: ABC50L vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius,
sectetuer adipiscing elit. Cras consectetuer tempus diam.



ABC Investnow Money Market Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCMMF ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Cash Management Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCCM ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Bond Fund A Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCBF iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.

ABC Investnow Capital Bond Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCCB vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius,

ABC Investnow Aggressive Growth Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCAG ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Balanced Fund A Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCBA iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.


ABC Investnow Balanced Index Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCBI vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius,

ABC Investnow Global Investment Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCGI iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.

ABC Investnow Large Cap Growth Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCLC ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Mid Cap Ventures Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Inception date: 1/1/1997 Fund description: Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis
Ticker: ABCMC libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dig-
Expense ratio: 0.94 nissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus.
Benchmark: Russell 2000 Value Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem
ipsum dolor sit amet, consectetuer adipiscing elit.

ABC Investnow Small Cap Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCSC ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Technology Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCTK iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc.



ABC Investnow World Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCWF ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut
nostra, per inceptos hymenaeos.

ABC Investnow International Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: ABCIL ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut

ABC Investnow Future Fund Annualized performance as of 10/31/2010 1 Yr: 18.13 3 Yr: 18.74 5 Yr: 16.17 10 Yr: 11.37 Since inception: 11.37

Ticker: FFADX ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut








DISCLOSURES
ALL YOU NEED TO KNOW

PERFORMANCE ABC FUNDCO RISK

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BEST AND WORST 3 MONTH Mauris et quam. Aliquam tristique quam at felis. Morbi
PERFORMANCE vehicula risus sit amet metus. Cras suscipit justo non
elit. Maecenas tincidunt arcu. Mauris et quam. Aliquam
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tincidunt arcu.
ABC FUNDCO STYLE BOX
A B C F U N D CO R AT I N G ©
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ABC FUNDCO RETURN

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DISCLOSURES
ALL YOU NEED TO KNOW

COMPOSITION MANAGEMENT COMPANY

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elit. Maecenas tincidunt arcu. Mauris et quam. tristique quam at felis. Morbi vehicula risus sit amet
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ABC FUNDCO SECTORS Mauris et quam. Aliquam tristique quam at felis. Morbi
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quam at felis. Morbi vehicula risus sit amet metus.
Aliquam tristique quam at felis. Morbi vehicula risus sit amet metus. Cras suscipit justo non elit.
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felis. Morbi vehicula risus sit amet metus. vehicula risus sit amet metus. Aliquam tristique quam
at felis. Morbi vehicula risus sit amet metus.


PLAN HIGHLIGHTS
TA K E CO N T R O L O F YO U R F I N A N C I A L F U T U R E

Taking control of your nancial future is a big step toward AU TO M AT I C R E B A L A N C I N G
getting what you want out of life. Here you’ll nd a summary
Your investment strategy should change as you get
of the plan details to help you decide the level and type of
closer to retirement. With automatic rebalancing your
participation that’s right for you.
account is carefully monitored for speci c milestones,
at which time it is professionally reallocated to match
ELIGIBILITY the appropriate investment strategy and meet your
You are eligible to participate in the plan if you are at savings goal.
least 18 years old and have completed 3 month(s) of
employment. Professionally managed LifeCycle investments are
automatically rebalanced on a regular basis. If you
See your plan administrator if you have questions choose to invest in individual mutual funds, you have
about your eligibility. the option to add the automatic rebalancing feature
by logging in to your account at www.yourplanurl.com
or by calling 800-123-4567. Once you’ve added this
YOUR CONTRIBUTIONS feature your account will be automatically rebalanced
on a quarterly basis.
You may contribute from 0% to 100% of your eligible
pre-taxed compensation, up to the IRS limit of $16,500 VESTING
in 2009. You can change your pre-tax contribution
amount or stop contributing anytime. You are 100% vested in your own contributions and
any rollover contributions you make to the plan, as well
as any earnings on those contributions.
ROLLOVERS

Rolling account balances into one account can simplify You will be vested in your company’s matching
managing your retirement assets. Rollovers from other contributions and any earnings on those contributions
quali ed plans will be accepted at any time. according to the schedule below.

YOUR COMPANY’S CONTRIBUTIONS
Years of Service 1yr 2yrs 3yrs
...............................................................
Percent Vested 50% 75% 100%
For every $1 you contribute as pre-tax contributions,
up to 6% of your eligible compensation, ABC
You will also be vested in your company’s discretionary
Company will add $0.50 to your account as a
pro t sharing contributions and any earnings on those
matching contribution. ABC Company may also
contributions according to the schedule below.
make a discretionary pro t sharing contribution to
your account at the end of each year, based on the Years of Service 1yr 2yrs 3yrs 4yrs 5yrs
company’s pro ts. ...............................................................
Percent Vested 20% 40% 60% 80% 100%

A year of service is one in which you work at least 2000
hours in a 12-month period.


PLAN HIGHLIGHTS
TA K E CO N T R O L O F YO U R F I N A N C I A L F U T U R E

W ITHDRAWALS AND DISTRIBUTION investment options through a brokerage account
serviced by ABC Corporate Services.
You may make withdraws from or take distributions
from your account at the plan’s normal retirement age
This is a Web-based feature only. You can open an
of 65, in the event of disability, or in the event of death
account by logging on to www.ABCSDBO.org and
or termination of employment.
clicking on the “Self-Directed Brokerage” link.
You may be eligible to take a nancial hardship
When your account is rst established, you must make
distribution in some situations. You must have an
an exchange of at least $2,500 from your standard plan
immediate and heavy nancial need to cover certain
options to SDBO to activate your SDBO account. There
medical expenses, costs related to the purchase of your
is no minimum amount for payroll contributions.
home, quali ed educational expenses, or to prevent
foreclosure on your home.
There is an additional fee for the SDBO. For details call
1.800.123.4567.
You may apply to withdraw from your account if
you experience a severe nancial hardship, such as
SECTION 404 C COMPLIANCE
money necessary to purchase your home or prevent a
foreclosure, tuition, and medical expenses.
The ABC Company 401(k) Savings Plan intends to meet
Distributions from a quali ed retirement plan are subject to the requirements of Section 404(c) of the Employee
ordinary income tax when withdrawn and may be subject to tax Retirement Income Security Act (ERISA) and regulations
penalties if withdrawn before age 59½. That is why it is important to issued by the U.S. Department of Labor under that
consult your tax advisor about the tax consequences of withdrawals
from your account.
section (29 CFR Sec 2550.404(c)-1). The duciaries of
the Plan may be relieved of liability for any losses that
result from your investment decisions.
LOANS

Although your plan is intended primarily for long-term Information on each investment option o ered under
retirement savings, you may borrow against your plan’s the Plan has been made available to you, including
vested account balance within certain limitations. investment objectives, risk characteristics, and fees/
expenses. You may, upon request, receive the latest
You may borrow up to the lesser of 50% or $50,000 information made available to the Plan concerning
of your vested account balance. The minimum loan annual operating expenses of each investment option,
amount is $500. There is a non-refundable loan set-up including investment management fees, administrative
fee of $100. Loans are repaid with interest through fees, and transaction costs that reduce the rate of
payroll deduction. return to participants and bene ciaries; the aggregate
amount of annual operating expenses expressed as a
OUTSIDE INVESTMENT OPTIONS percentage

The ABC Company 401(k) Savings Plan o ers a Self-
Directed Brokerage Account (SDBO) option that allows
you to invest a portion of your savings in a wide range
of stocks, bonds, and mutual funds outside your plan’s


ACCOUNT ACCESS
Once you are participating in the plan, it is easy to access and manage your account anytime
by computer or phone. You will be able to check your current account balance, review or
update your investment elections for future contributions, transfer existing assets among
investments, change your deferral rate, access helpful information and interactive tools
(computer only), and change your Personal Identi cation Number (PIN).

BY PHONE: 1.800.123.4567

The Interactive Voice Response System
(IVR) lets you access your account 24 hours a
day, 7 days a week, 365 days a year. The IVR is
personalized to provide only those features and
investment options o ered by your plan.

Press “0” to speak to a Service Representative

Monday-Friday between 8:00 AM and
9:00 PM EST.

When you call the rst time
To start using the IVR, you need to establish a
Personal Identi cation Number (PIN). Simply
follow the instructions provided when you call
the rst time

BY COMPUTER: 2 E A S Y WAY S T O
Visit the plan’s website at www.yourplanurl.com. ACCESS YOUR
For rst-time access, click on “Register.” Use your ACCOUNT
last name and the last four digits of your Social
Security Number to log in. You will be asked to
create a new username and password. The next 1.800.123.4567
time you visit the site, click on “Login” and enter
this username and password. W W W. YO U R P L A N U R L . CO M


ABC Company
123 Sample Street
Suite 400
Anytown, ST 45678

COMPANY

Chris Sample
123 Sample Street
Apt 2
Anytown, CA 45678

C A L L O R G O O N L I N E TO DAY!

1.800.123.4567

W W W.YOURPLANURL.COM

These materials were produced by Broadridge Financial Solutions, Inc. All content is fictional, and any resemblances to actual businesses or reports
are purely coincidental. Duplication of these documents is unlawful. ©2009 Broadridge Financial Solutions, Inc. 6/2010
BR_Auto Enroll_2010, Mohawk #80 Text 50/10 matte, Full Color Digital

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