Eligibility

You’re immediately eligible to join the plan upon hire

Enrollment

Log in to Workday to start or change your payroll contributions.

Contributions

You decide the amount to contribute and can change your contribution amount at any time. You can elect to make pretax and/or Roth after-tax contributions. You may also transfer, or roll in, other eligible retirement accounts to the plan. Log into Workday.

Vesting

Vesting refers to your ownership of the money in your account. You’re always 100% vested in your own contributions and their earnings

Investments

Your contributions will be invested in the funds you select, and the value of your account will fluctuate based on the performance of the funds. Carefully review your investment options before making your selections. You can make changes to your investments at any time.

Withdrawals

After you separate from service with your employer, you will be eligible to withdraw your money at any time. However, you will not be required to take any withdrawals until age 73.* Beginning with RMDs due in 2024, Roth balances will be excluded from the RMD calculation. Roth was required to be part of the RMD calculation for RMDs due prior to Jan. 1, 2024.While you are still employed, your withdrawal options are limited to attaining a certain age as selected by the employer, balances under $5,000 (with no contributions made for a period of two years), or emergency withdrawals, as defined by the IR

Loans

Your plan allows you to borrow money from your account while you’re still employed. The maximum loan amount is limited to half of your account balance or $50,000, whichever is less

Beneficiaries

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Account Information

Lou can review your account information by logging into your account at . Or, use the

automated phone system at (800) 669-7400.Log in to sign up for eDelivery to receive email notifications when your quarterly statements and transaction confirmations are available online

*Age 70½ (if you were born before July 1, 1949), age 72 (if you were born after June 30, 1949, and before Jan. 1, 1951), or age 73 (if you were born after Dec. 31, 1950).