Upload
others
View
0
Download
0
Embed Size (px)
Citation preview
Revised: 01/2019
SUMMARY OF BENEFITS FOR CONTRACT EMPLOYEES
Johnson Service Group, Inc. (JSG) is pleased to offer its contract employees a competitive benefits package. Please review this summary for more information on all of the benefits available to you as a JSG contract employee.
CENTURY HEALTHCARE (CHC) – LIMITED FIXED INDEMNITY GROUP BENEFITS PLAN (specific plan information attached) Enrollment in the voluntary health benefits through Century Healthcare (CHC) must be made within thirty (30) days following an employee's hire date. Employees must enroll through CHC’s telephonic enrollment center at (888) 232-9431, Monday through Friday, from 7:00 AM to 7:00 PM CST. For claims and customer service, please call (877) 685-2432. Note: Please be sure to provide the password “JOHNSON” when enrolling.
If an employee wishes to enroll in these benefits after 30 days of employment, he or she will be allowed to enter into plans during the annual Open Enrollment period. Open Enrollment periods will be communicated to employees as they become available. For Qualifying Life Events (QLEs), such as child birth, divorce, loss of coverage through the spouse’s employer, etc., changes to the employee’s health insurance benefits can be made at the time of the event, as long as the change is requested within 30 days. **Upon successful completion of a twelve month measurement period (as defined by the Affordable Care Act), where the employee has worked at least 1,560 hours, an additional medical benefit option will be made available.**
The CHC limited fixed indemnity medical plans are not comprehensive major medical plans. They are a package of services and fixed indemnity benefits that pay benefits for specified medical services and are designed to help take care of the basic medical care needs of insured employees and their families. These plan options pay in addition to any other insurance in force and are not Medicare Supplement plans. All premiums for CHC benefits are deducted from paychecks on a weekly basis. Additional information, including prices, can be found in the Employee Toolbox on the JSG web site at www.jsginc.com.
HEALTHCARE SOLUTIONS TEAM (HST) – PORTABLE BENEFITS – MAJOR MEDICAL, INDEMNITY PLANS, DENTAL/VISION, ACCIDENT/CRITICAL ILLNESS All employees have the option of designing a portable health plan tailored to suit their individual specific healthcare needs. These medical benefit options can be accessed exclusively through the Healthcare Solutions Team (HST), JSG’s partner in providing this benefit option. The Healthcare Solutions Team provides access to world class benefits from the nation’s top-rated insurance carriers including United Healthcare, Manhattan Life, National General, Blue Cross Blue Shield, Anthem, and Aetna. Note: Availability varies by state.
Employees may select from several benefit options. The options are comprised of benefits that are more traditional in nature, benefits that include a Health Savings Account component, short term major medical benefits, benefits that address high risk individuals (for those individuals with most pre-existing conditions), and guaranteed acceptance plans.
There is no waiting period to enroll and upon acceptance coverage can begin. An employee pays 100% of the premium cost and may have the option to have premiums deducted from his or her weekly paycheck. These benefits are individually tailored to an employee’s personal circumstances and remain with the individual upon termination from JSG employment.
For more information, please go to www.jsghealthplans.com or contact the Healthcare Solutions Team directly at (866) 934-9013. There is also a link to this website in the Employee Toolbox located on the JSG website at www.jsginc.com.
Revised: 01/2019
AFLAC ACCIDENT ADVANTAGE Accident insurance can help an employee with the multiple costs of an unexpected accident. This plan pays a cash benefit to an employee for all types of off-the-job accidents. Coverage is available for employees, spouses, and dependent children. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. The plan also provides a wellness benefit that can be used for routine & preventive care. This 100% employee paid plan is offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.
AFLAC CANCER CARE This plan offers protection in the event an employee or a family member is diagnosed with cancer. Even with major medical insurance, the financial obligation can be devastating to an employee's savings or future income in a cancer situation. The benefits in this policy pay cash directly to the employee for treatments such as an initial diagnosis, surgery, hospitalization, radiation and chemotherapy, experimental therapy and bone marrow transplant. Since 96% of all cancers are now treatable if diagnosed early, this plan also offers a benefit for cancer screening. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. The plan also has a specified disease rider covering 31 diseases. This rider pays directly to the employee for an initial diagnosis of one of the specified diseases and if the employee or a covered person is confined in a hospital for treatment of one of the specified diseases. Coverage is available for employees, spouses, and dependent children. This 100% employee paid plan is offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.
AFLAC CRITICAL CARE This Specified Health Event Protection Plan provides coverage for sickness and injury, and provides specified health event coverage for critical illness. This plan offers protection should an employee or his/her spouse have a catastrophic event, such as a heart attack, stroke, kidney failure, major third-degree burns, or coronary artery bypass surgery. Additional benefits include intensive care, hospital confinement, and heart surgery benefits. The plan is designed to protect an employee against the financial burden created by these types of events. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. This 100% employee paid plan is also offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.
SECTION 125 PREMIUM ONLY PLAN All employees may take advantage of certain provisions permitted by Section 125 of the Internal Revenue Code. Under this program, employees may choose to pay for company sponsored benefits with a portion of their pay before federal or Social Security taxes are withheld. When an employee selects this program, their premium payment will be deducted from their gross income.
401(K) RETIREMENT PLAN Johnson Service Group, Inc. offers a 401(K) investment option through Transamerica Retirement Solutions to aid employees in planning and meeting the financial needs of their retirement years.
Participation in the plan is voluntary and available to all contract employees age 21 or older. Contributions via JSG payroll can begin on or after the first of the month following thirty (30) days of service.
To have your information entered in the Transamerica database, please contact Johnson Service Group’s Human Resources Department at (630) 655-3500 or at [email protected]. Once your information has been entered into the Transamerica database, salary reduction contribution amounts may be changed, discontinued, and then resumed again at any time throughout the year. Also, participants may change the investment direction of their contributions at any time. Additional information is available on the JSG website at www.jsginc.com.
COMMUTER BENEFIT PROGRAM The Commuter Benefit Program is designed to help JSG contract employees save time and money when they use public transit for their commute to work – whether it be by train, subway, bus, vanpool, etc. As part of the program, funds are deducted weekly from employees’ paychecks on a pre-tax basis and moved to a commuter account. With funds loaded onto a commuter or parking card, employees can then use this card to pay for their daily commute to work. The program is available to all contract employees at any time during their employment with JSG. If interested, please reach out to JSG’s Human Resources Department at (630) 655-3500 or at [email protected] for more details and to enroll in the program.
MEC BASIC PLAN OPTION
Please note that this plan only covers preventive services as required under the Affordable Care Act. To learn more visit www.healthcare.gov
The preventive services will only be covered at 100% when utilizing in-network providers.
MEC SUMMARY
• •
• o
• o
• o
•
• •
• o
• o
• o
•
o
o
o
5
MEC PLUS PLAN OPTIONS
MEC PLUS PLAN OPTIONS
All benefits except Accident Medical, AD&D, and Term Life are subject to Benefit Year Maximums as shown above.Benefit Year means the 12 consecutive months from the group’s original effective date. Please note that this is just a summary of the benefits and to
know the full details of the policy the certificate of coverage needs to be reviewed once the policy is effective.
LIMITED BENEFIT MEDICAL VSMEC PLUS PLANS
What is a Limited Bene�t Medical Plan (LBMP)? A Limited Bene�t Medical Plan is designed to help you deal with covered medical expenses from covered accident (or sickness) events such as physician of�ce visits, emergency room trips, hospitalization, diagnostic tests and even prescription drugs up to certain preset limited bene�t levels. This program is not basic health insurance or major medical insurance; and is not designed to replace, provide or modify major medical insurance.
What is a Minimum Essential Coverage (MEC) Plus Plan?A Minimum Essential Coverage Plus Plan consists of a Fully Insured or Self-Funded Limited Bene�t Medical Plan and a Self‐Funded 100% Preventive Care Plan. The Limited Bene�t Medical Plan is designed to help you deal with covered medical expenses from a covered accident (or sickness) such as physician of�ce visits, emergency room trips, hospitalization, diagnostic lab and X‐rays, surgeries and prescription drugs up to certain bene�t levels. This program is not major medical insurance. The Self‐Funded100% Preventative Care plan is designed to be compliant with the Affordable Care Act by meeting the Minimum Essential Coverage requirements of Healthcare Reform. This plan satis�es the Individual Mandate. Self-Funded plans in the large group market are not required to cover all of the essential bene�ts. An employer can offer minimum essential coverage and avoid the 4980 H (a) “no offer” penalty/tax/assessment.
The Century Healthcare program is packaged with access to Limited Bene�t Medical insurance, certain non‐insured bene�ts and PPO savings. This program is not designed to cover the level of expense found with treatment or care for rare disease or catastrophic illness.
How do I use the program if I need care or treatment for an accident or sickness? Network: If you chose an in network provider, you are entitled to a discount on your services. This means that you are able to save out of pocket expenses. Century Healthcare discounts the bill and sends the provider the bene�t payment along with an explanation of bene�ts. Please note that in order to receive 100% coverage for preventive services in an MEC Plus Plan the services must be received from an in-network provider.
Find a Provider:To locate a participating PHCS Limited Bene�t Network provider in your area, please call PHCS at (877) 796-7427 or visit www.multiplan.com/chc.
Schedule an Appointment :Call your selected provider and set up an appointment to see your doctor. We recommend you con�rm your provider’s continued participation in the PHCS Limited Bene�t Network when you make your appointment.
Bene�t Amounts:The Plan pays based on a �xed schedule of bene�ts. If the plan states you are entitled to a $75 of�ce visit bene�t per day, the bene�t you are entitled to is $75 even if you choose an out of network provider. This does not apply to the preventive services covered under the MEC plans; in order to obtain 100% coverage for preventive services under the MEC, the bene�ts need to be obtained through an in-network provider.
How to Use the Plan:When a member goes in for service, the member simply has to show his/her Century Healthcare ID card. You do not need to pay anything at point of service, nor do you need to �ll out a claim form. The provider will submit the claim to our third party administrator and the plan pays the provider directly. If the bene�t amount is greater than the billed amount, the plan will pay the difference to the member. For example: Member goes to get an X-Ray which costs $100 and the bene�t for outpatient diagnostic testing is $125; The plan will pay the $100 to the facility and then pay the remaining $25 to the member.
Assignment of Bene�ts:Century Healthcare allows assignment of bene�ts. There are no deductibles or coinsurance. Only prescriptions are subject to co‐pays.
Payment:The provider will bill the plan directly. If the provider wishes you pay up front, have them call Century Healthcare customer service while you are at the provider’s of�ce. If you elect to pay up front you can easily �le for reimbursement by submitting the claim to the plan.
If you have questions about your bene�ts or the status of claims, please call CHC Customer Service at (877) 685-2432 from 7:00 a.m. to 7:00 p.m. CDT/CST. WebTPA pays the claims for Century Healthcare.
MEC Enhanced Advantage Plus
MEC Enhanced Advantage Plus (Hospital Indemnity Component)
METLIFE DENTAL PLAN
▪
▪
Send Dental Claims to:
Group Policy No.: KM 05930189-G
MetLifeDental
P.O. Box981282
El Paso, TX 79998‐1282
When you choose to receive care from a preferred dentist participating
in the MetLife Preferred Dentist Program (PDP), your out‐of‐pocket
expense will generally be lower than when you visit a non‐participating
dentist.To verify dental coverage, call 1‐800‐275‐4638. Pleasereview
important information on reverse side. A Group Policy Number To find dental providers in your neighborhoodvisit call
is not required to file a claim. The ID# for all insureds is their 1‐877‐638-3379 or visit www.metlife.com/dental.
Social Security Number.This card is the property of MetLife fraudulent use may result in
termination of benefits. Possession of this card in itself confers no right
to benefits or guarantee of coverage. Persons must be currently
enrolled. Promptly notify us if card is lost or stolen.
0908‐2499 210000000000002188(0809)
PEANUTS © United Feature Syndicate,
Member Signature Inc.
Metropolitan Life Insurance
Company 200 Park Avenue, New
York, NY 10166
OPTIONAL & DEPENDENT LIFE
OPTIONAL LIFE BENEFIT SCHEDULE AGE BASED BENEFIT REDUCTION GUARANTEED ISSUE
Employees are able to select coverage in increments of $25,000 up to $250,000
To 65% at age 65-69To 50% at age 70-74To 35% at age 75-79To 25% at age 80-84To 20% at age 85-89To 15% at age 90-94To 10% at age 95+
All Amounts
DEPENDENT LIFE BENEFIT OPTION
Spouse $25,000
Weekly Cost $3.05
Child(ren) $10,000
Weekly Cost $0.42
Guaranteed Issue All Amounts
$25,000 $50,000 $75,000 $100,000 $125,000
$1.04 $2.08 $3.12 $4.15 $5.19
$4.10 $8.19 $12.29 $16.38 $20.48
$19.50 $39.00 $58.50 $78.00 $97.50
$150,000 $175,000 $200,000 $225,000 $250,000
$6.23 $7.27 $8.31 $9.35 $10.38
$24.58 $28.67 $32.77 $36.87 $40.96
$117.00 $136.50 $156.00 $175.50 $195.00
SHORT-TERM DISABILITY
Contract No. 800926-00000(000)
Dear JSG Contract Employee:
Since August 2012, the U.S. Department of Labor requires that 401(k) Plan Fee Disclosure statements are sent to new employees.
Please note this document is for informational purposes only. In order to enroll in the 401(k) Plan, please contact Johnson Service Group’s Corporate Human Resources Department at [email protected].
The 401(k) fee disclosure notice is also posted on JSG’s website in the employee toolbox section.
If you have any questions or need additional information, please contact Human Resources.
Sincerely,
JOHNSON SERVICE GROUP, INC.
Human Resources Department One East Oak Hill Drive Suite 200 Westmont, IL 60559 Phone: (630) 655-3500 Fax: (630) 655-4689
1
Cont
ract
No.
800
926-
0000
0(00
0)2
John
son
Serv
ice
Gro
up, I
nc. 4
01(k
) Ret
irem
ent S
avin
gs P
lan
-
Cont
ract
Em
ploy
ees
All i
ndiv
idua
ls w
ho h
ave
the
right
to d
irect
inve
stm
ents
in a
n em
ploy
er-s
pons
ored
retir
emen
t pla
n ar
e be
ing
prov
ided
with
the
atta
ched
det
aile
d di
sclo
sure
of f
ees,
exp
ense
s and
serv
ices
pro
vide
d in
con
nect
ion
with
such
pla
n. T
his d
ocum
ent i
s spe
cific
to y
our
plan
. You
will
see
addi
tiona
l disc
losu
res a
nd a
n ite
miza
tion
of fe
es w
hich
may
be
asse
ssed
to y
our i
ndiv
idua
l acc
ount
on
your
nex
t qu
arte
rly st
atem
ent (
and
all f
utur
e st
atem
ents
).
Why
am
I re
ceiv
ing
this
dis
clos
ure?
Beca
use
you
have
the
right
to d
irect
inve
stm
ents
und
er a
retir
emen
t pla
n or
bec
ause
you
are
con
sider
ed to
be
one
of th
e fo
llow
ing:
An
em
ploy
ee e
ligib
le to
join
you
r em
ploy
er’s
retir
emen
t pla
n
A re
tiree
with
a v
este
d ba
lanc
e in
the
plan
An
act
ive
part
icip
ant i
n th
e pl
an
An a
ctiv
e be
nefic
iary
of a
form
er e
mpl
oyee
’s p
lan
acco
unt
A
form
er e
mpl
oyee
with
a v
este
d ba
lanc
e in
the
plan
An
alte
rnat
e pa
yee
unde
r a Q
DRO
(qua
lifie
d do
mes
ticre
latio
ns o
rder
), ty
pica
lly a
s the
resu
lt of
a d
ivor
ce
Wha
t do
I nee
d to
do?
Ther
e is
no a
ctio
n yo
u ne
ed to
take
as a
resu
lt of
rece
ivin
g th
is di
sclo
sure
; how
ever
, you
shou
ld c
onsid
er re
view
ing
the
follo
win
g pa
ges c
aref
ully
to le
arn
mor
e ab
out t
he fe
es y
ou p
ay a
nd th
e se
rvic
es y
ou re
ceiv
e re
late
d to
you
r ret
irem
ent p
lan.
This
doc
umen
t des
crib
es in
vest
men
t inf
orm
atio
n, se
rvic
es, f
ees a
nd e
xpen
ses c
ontr
actu
ally
est
ablis
hed
and
agre
ed u
pon
by th
e sp
onso
r of t
his e
mpl
oyer
-spo
nsor
ed re
tirem
ent p
lan
and
Tran
sam
eric
a. A
ny c
hang
es to
the
cont
ract
ually
est
ablis
hed
info
rmat
ion
set f
orth
in th
is d
ocum
ent t
hat a
re n
ot c
ompl
eted
, or
agr
eed
upon
in w
ritin
g, b
y an
aut
horiz
ed re
pres
enta
tive
of
Tran
sam
eric
a, e
ither
in p
art o
r in
tota
l, sh
all i
nval
idat
e th
is d
iscl
osur
e an
d Tr
ansa
mer
ica
will
bea
r no
resp
onsi
bilit
y fo
r any
liab
ility
wha
tsoe
ver t
hat m
ay re
sult,
eith
er d
irect
ly o
r ind
irect
ly, a
s th
e re
sult
of su
ch c
hang
e, n
or fo
r any
ens
uing
mis
perc
eptio
ns o
n th
e pa
rt o
f dis
clos
ure
reci
pien
ts a
s a re
sult
of su
ch c
hang
es.
Dis
clos
ure
& C
ompa
rativ
e C
hart
for R
etir
emen
t Pla
n Pa
rtic
ipan
ts
Cont
ract
No.
800
926-
0000
0(00
0)3
DISC
LOSU
RE &
COM
PARA
TIVE
CHA
RTJo
hnso
n Se
rvice
Gro
up, In
c. 40
1(k)
Ret
irem
ent S
avin
gs P
lan -
Cont
ract
Em
ploy
ees
(Plan
)IM
PORT
ANT
INFO
RMAT
ION
REGA
RDIN
G YO
UR P
LAN
Augu
st 2,
2018
A re
tireme
nt pla
n off
ers a
conv
enien
t way
to sa
ve fo
r reti
reme
nt an
d oft
en p
rovid
es u
nique
featu
res a
nd b
enefi
ts no
t ava
ilable
else
wher
e. In
dividu
als h
ave
the o
ppor
tunity
to
make
the
plan
work
hard
er fo
r the
m by
com
mittin
g to
cons
isten
t sav
ings
early
, tak
ing fu
ll adv
antag
e of
the to
ols a
nd s
ervic
es a
vaila
ble, m
aintai
ning
a lon
g-ter
m inv
estm
ent
strate
gy, a
nd un
derst
andin
g how
the p
lan w
orks
, inclu
ding p
lan in
vestm
ent c
hoice
s and
fees
. This
docu
ment
was p
repa
red t
o aid
you i
n tha
t und
ersta
nding
.
Gene
ral P
lan In
form
atio
n
Inve
stm
ent V
ehicl
eA
Grou
p Ann
uity C
ontra
ct wi
th se
para
te ac
coun
t and
gene
ral a
ccou
nt inv
estm
ents
(Inve
stmen
t Cho
ices)
issue
d by
Tran
same
rica L
ife In
sura
nce
Comp
any,
4333
Edg
ewoo
d Roa
d NE,
Ced
ar R
apids
, Iowa
5249
9 (Tr
ansa
meric
a).
Ho
w to
Dire
ct Y
our
Inve
stm
ents
and
Make
Al
loca
tion
Chan
ges
Dire
ction
of in
vestm
ents:
You
may
dire
ct the
inve
stmen
t of y
our P
lan ac
coun
t.
404(
c) Co
mplia
nce:
This
plan i
ntend
s to c
omply
with
the a
dmini
strati
ve re
quire
ments
of E
RISA
secti
on 40
4(c).
ERI
SA se
ction
404(
c) wa
s des
igned
to
ensu
re th
at yo
u hav
e the
oppo
rtunit
y to (
1) ex
ercis
e con
trol o
ver t
he in
vestm
ent o
f you
r acc
ounts
avail
able
for yo
ur di
recti
on, a
nd (2
) cho
ose f
rom
a br
oad r
ange
of in
vestm
ent a
ltern
ative
s.
Timing
for m
aking
inve
stmen
t allo
catio
n cha
nges
: On a
ny bu
sines
s day
.
To ch
ange
your
inve
stmen
t allo
catio
n, yo
u may
go to
: ta
-retire
ment.
com
or ca
ll 1-8
00-4
01-8
726.
For a
comp
lete d
escri
ption
of in
vestm
ent d
irecti
on rig
hts, li
mitat
ions,
or re
strict
ions u
nder
your
Plan
, refe
r to y
our P
lan’s
Summ
ary P
lan D
escri
ption
(S
PD),
or si
milar
docu
ment
prov
ided.
Tran
sfer
Res
trict
ions
Some
Inve
stmen
t Cho
ices m
ay ha
ve tr
ansfe
r res
trictio
ns (S
ee T
able
1 for
detai
ls, if
appli
cable
).
Votin
g, T
ende
r and
Si
mila
r Rig
hts a
nd
Rest
rictio
ns
For t
he In
vestm
ent C
hoice
s in t
he G
roup
Ann
uity C
ontra
ct, th
e pro
xies a
re vo
ted by
the P
lan S
pons
or as
the o
wner
of th
e und
erlyi
ng sh
ares
. You
do
not p
artic
ipate
in an
y pro
xy vo
ting.
List
of I
nves
tmen
t Ch
oice
s Fo
r the
listin
g of th
e Inv
estm
ent C
hoice
s acti
ve un
der y
our P
lan, p
lease
see t
he se
ction
titled
“Com
para
tive C
hart”
unde
r Tab
le 1.
Pote
ntial
Gen
eral
Adm
inist
rativ
e Fee
s
Plan
Fee
sPl
an F
ees w
hich m
ay be
paid
direc
tly by
your
emplo
yer o
r ded
ucted
from
indiv
idual
partic
ipant
acco
unts
includ
e, bu
t are
not li
mited
to:
Cont
ract
No.
800
926-
0000
0(00
0)4
Fe
es c
harg
ed b
y Tr
ansa
meric
a, inc
luding
thos
e for
enr
ollme
nt ma
terial
s an
d wo
rksho
ps, b
ase
and
per p
artic
ipant
reco
rdke
eping
fees
, ho
urly
admi
nistra
tive c
onsu
lting f
ees u
p to $
85 pe
r hou
r, pla
n ter
mina
tion f
ees u
p to $
125 p
er ho
ur, c
ompli
ance
cons
ulting
fees
up to
$125
pe
r hou
r, an
d outs
ide as
set fe
es, if
appli
cable
.
Fees
dire
cted b
y the
plan
spon
sor t
o be a
lloca
ted to
partic
ipants
, inclu
ding a
udito
r fee
s, an
d leg
al fee
s, wh
en ap
plica
ble, a
nd as
perm
itted
to be
char
ged t
o the
plan
.
The
fees d
escri
bed
abov
e ma
y be
paid
by yo
ur e
mploy
er, o
r fro
m: a
n ex
pens
e ac
coun
t esta
blish
ed fo
r the
plan
; a d
educ
tion
from
each
par
ticipa
nt ac
coun
t on a
pro-
rata
or pe
r cap
ital b
asis,
or ex
pens
es co
llecte
d fro
m ea
ch in
vestm
ent c
hoice
selec
ted fo
r the
plan
. Fo
r tho
se fe
es de
ducte
d fro
m ea
ch p
artic
ipant
acco
unt,
the a
ctual
amou
nt de
ducte
d, as
well
as
a de
scrip
tion
of the
ser
vices
to w
hich
the fe
e re
lates
, will
be re
porte
d on
the
quar
terly
partic
ipant
statem
ent.
Refe
r to
Exhi
bit A
to se
e det
ails r
egar
ding
any b
ase a
nd p
er p
artic
ipan
t fee
s app
licab
le to
your
Plan
.Tr
ansa
ctio
n Fe
esTr
ansa
ction
fees
whic
h may
be ch
arge
d aga
inst in
dividu
al pa
rticipa
nt ac
coun
ts inc
lude:
Fe
es ch
arge
d by T
rans
amer
ica fo
r pro
viding
servi
ces r
elated
to th
e esta
blish
ment
and m
ainten
ance
of lo
ans,
distrib
ution
s and
with
draw
als.
The
actua
l amo
unts
dedu
cted,
as w
ell a
s a
desc
riptio
n of
the s
ervic
es to
whic
h the
fees
relat
e, if
any,
are
repo
rted
on y
our q
uarte
rly p
artic
ipant
statem
ent.
Refe
r to
Exhi
bit A
to se
e a lis
t of t
he T
rans
actio
n Fe
es ap
plica
ble t
o yo
ur P
lan.
Asse
t-Bas
ed F
ees
Contr
act A
sset
Char
ges.
Dep
endin
g on
the
demo
grap
hics o
f the
Plan
, a C
ontra
ct As
set C
harg
e (C
AC) a
nd/or
othe
r ass
et-ba
sed
fees m
ay a
pply.
Th
e CAC
is ex
pres
sed a
s a pe
rcenta
ge of
the a
ssets
held
in ea
ch In
vestm
ent C
hoice
on a
pro-
rata
basis
. Othe
r ass
et-ba
sed f
ees m
ay be
expr
esse
d as
a pe
rcenta
ge of
the a
ssets
held
in ea
ch In
vestm
ent C
hoice
on a
pro-
rata
basis
, or a
s a sp
ecifie
d doll
ar am
ount
char
ged t
o the
Plan
. Ass
et-ba
sed
fees a
re u
sed
to su
bsidi
ze co
sts fo
r plan
-relat
ed re
cord
keep
ing, a
dmini
strati
on, p
ayme
nt to
finan
cial a
dviso
rs, a
nd o
ther r
etire
ment
plan
servi
ces
that w
ould
other
wise
be
char
ged
sepa
ratel
y. A
neg
ative
CAC
repr
esen
ts a
credit
to th
e as
sets
unde
r the
Con
tract.
The
actu
al do
llar a
moun
ts ar
e re
porte
d on y
our q
uarte
rly pa
rticipa
nt sta
temen
t.Re
fer t
o Ex
hibi
t A to
see a
des
crip
tion
of th
e Ass
et-B
ased
Fee
s app
licab
le to
your
Plan
.
Inve
stm
ent I
nfor
mat
ion
The
infor
matio
n be
low is
pro
vided
to h
elp yo
u co
mpar
e the
Inve
stmen
t Cho
ices u
nder
your
Plan
. If
you
want
addit
ional
infor
matio
n ab
out y
our I
nves
tmen
t Cho
ices,
includ
ing
princ
ipal ri
sks,
curre
nt inv
estm
ent p
erfor
manc
e and
a glo
ssar
y of te
rms,
you m
ay go
to:
ta-
retire
ment.
com
or ca
ll 1-8
00-4
01-8
726.
Tabl
e 1 be
low fo
cuse
s on I
nves
tmen
t Cho
ices t
hat d
o not
have
a fix
ed or
state
d rate
of re
turn,
and s
hows
fee a
nd ex
pens
e info
rmati
on, a
s well
as in
vestm
ent p
erfor
manc
e for
ea
ch ch
oice
and
an a
ppro
priat
e be
nchm
ark p
erfor
manc
e (sh
own
in ita
lics).
Pas
t per
forma
nce
does
not
guar
antee
how
the
Inves
tmen
t Cho
ice w
ill pe
rform
in th
e fut
ure.
You
r inv
estm
ent in
thes
e cho
ices c
ould
lose m
oney
.
Total
Ann
ual O
pera
ting E
xpen
ses r
educ
e the
rate
of re
turn o
f eac
h Inv
estm
ent C
hoice
. Fu
nd sp
ecific
oper
ating
expe
nse d
etails
are a
vaila
ble at
ta-
retire
ment.
com.
The
cumu
lative
effe
ct of
fees a
nd e
xpen
ses c
an su
bstan
tially
redu
ce th
e gr
owth
of yo
ur re
tireme
nt sa
vings
. Vi
sit th
e De
partm
ent o
f Lab
or’s
webs
ite fo
r an
exam
ple sh
owing
the
long
-term
effec
t of fe
es an
d exp
ense
s at h
ttp://w
ww.do
l.gov
/ebsa
/publi
catio
ns/40
1k_e
mploy
ee.ht
ml.
Cont
ract
No.
800
926-
0000
0(00
0)5
Fees
and e
xpen
ses a
re on
ly on
e of m
any f
actor
s to c
onsid
er w
hen y
ou de
cide t
o inv
est.
You m
ay al
so w
ant to
think
abou
t whe
ther in
vesti
ng in
a pa
rticula
r Inv
estm
ent C
hoice
wi
ll help
you a
chiev
e you
r fina
ncial
goals
.
Com
para
tive C
hart
- Tab
le 1 -
Var
iable
Choi
ces
Nam
e of I
nves
tmen
t Ch
oice
/Ince
ptio
n (M
o/Yr
)/Be
nchm
ark
Asse
tCl
ass
Sub-
Asse
t Cl
ass
Tota
l Ann
ual
Inve
stm
ent C
hoice
Oper
atin
g Ex
pens
es
Aver
age A
nnua
l Tot
al Re
turn
06
-30-
2018
As %
Per
$1,00
0*1 Y
r.5 Y
r.10
Yr.
or S
ince
Incep
tion
Shar
ehol
der-T
ype F
ees /
Co
mm
ents
AEGO
N Ca
sh R
eser
ve R
et Op
tFT
SE T
reas
ury B
ill 3
Mon
thSh
ort
Bond
s/Stab
le/M
Mkt
Cash
Eq
uivale
nt/Mo
ney M
arke
t
0.65%
$6.50
1.47%
1.33
%0.4
9%0.
39%
0.37%
0.31%
7-da
y cur
rent
yield:
2.06
%
JPMo
rgan
Sho
rt Du
ratio
n Bon
d Ret
Opt
Bloo
mbe
rg B
arcla
ys U
S Go
vern
men
t/Cre
dit 1
-3 Y
r
Shor
t Bo
nds/S
table/
MMk
t
Shor
t-Ter
m Bo
nds
1.25%
$12.5
0-0
.76%
0.21
%0.0
3%0.
84%
0.95%
1.65%
N/A
Colum
bia Q
uality
Inco
me R
et Op
tBl
oom
berg
Bar
clays
US
MBS
Inter
m./Lo
ng-
Term
Bon
dInt
erme
diate-
Term
Bon
ds1.1
6%$1
1.60
0.30%
0.15
%1.7
5%2.
25%
3.88%
3.54%
See T
ype B
- GA
C no
te be
low fo
r tra
nsfer
restr
iction
s JP
Morg
an C
ore B
ond R
et Op
tBl
oom
berg
Bar
clays
US
Aggr
egat
e Bo
ndInt
erm.
/Long
-Te
rm B
ond
Inter
media
te-Te
rm B
onds
1.00%
$10.0
0-0
.72%
-0.4
0%1.6
8%2.
27%
3.49%
3.72%
See T
ype A
- GA
C no
te be
low fo
r tra
nsfer
restr
iction
s Tr
ansa
meric
a Par
tners
High
Yiel
d Bon
d Re
t Opt
ICE
BofA
ML
US H
igh Y
ield
Aggr
essiv
e Bo
nds
High
Yiel
d Bo
nds
1.05%
$10.5
01.6
7%2.
53%
5.08%
5.51
%7.1
4%8.0
3% N/
A
Oppe
nheim
er In
terna
tiona
l Bon
d Ret
Opt
FTSE
WGB
I Non
USD
Aggr
essiv
e Bo
nds
Wor
ld/Fo
reign
Bo
nds
1.25%
$12.5
0-1
.40%
3.22
%1.8
4%1.
01%
2.74%
1.78%
N/A
Temp
leton
Glob
al Bo
nd R
et Op
tFT
SE W
GBI
Aggr
essiv
e Bo
nds
Wor
ld/Fo
reign
Bo
nds
1.21%
$12.1
0-2
.36%
1.90
%1.3
8%1.
11%
5.07%
2.07%
N/A
Amer
ican F
unds
Fun
dame
ntal In
vesto
rs Re
t Opt
S&P
500
Larg
e-Ca
p St
ocks
Larg
e-Ca
p Bl
end S
tocks
0.95%
$9.50
14.03
%14
.37%
12.95
%13
.42%
8.76%
10.17
%Se
e Typ
e A -
GAC
note
below
for
trans
fer re
strict
ions
WMC
Cor
e Equ
ity R
et Op
tRu
ssell
100
0La
rge-
Cap
Stoc
ksLa
rge-
Cap
Blen
d Stoc
ks1.0
5%$1
0.50
15.14
%14
.54%
13.16
%13
.37%
8.85%
10.20
% N/
AAl
ger C
apita
l App
recia
tion R
et Op
tRu
ssell
100
0 Gr
owth
Larg
e-Ca
p St
ocks
Larg
e-Ca
p Gr
owth
Stoc
ks1.3
8%$1
3.80
23.31
%22
.51%
16.09
%16
.36%
11.20
%11
.83%
N/A
Cont
ract
No.
800
926-
0000
0(00
0)6
Com
para
tive C
hart
- Tab
le 1 -
Var
iable
Choi
ces
Nam
e of I
nves
tmen
t Ch
oice
/Ince
ptio
n (M
o/Yr
)/Be
nchm
ark
Asse
tCl
ass
Sub-
Asse
t Cl
ass
Tota
l Ann
ual
Inve
stm
ent C
hoice
Oper
atin
g Ex
pens
es
Aver
age A
nnua
l Tot
al Re
turn
06
-30-
2018
Shar
ehol
der-T
ype F
ees /
Co
mm
ents
As %
Per
$1,00
0*1 Y
r.5 Y
r.10
Yr.
or S
ince
Incep
tion
Virtu
s Cer
edex
Mid-
Cap V
alue E
quity
Re
t Opt
Russ
ell M
id Ca
p Va
lue
Small
/Mid-
Cap
Stoc
ksMi
d-Ca
p Valu
e St
ocks
1.27%
$12.7
07.4
4%7.
60%
10.68
%11
.27%
11.31
%10
.06%
N/A
Goldm
an S
achs
Mid-
Cap O
ppor
tunitie
s Re
t Opt
Russ
ell M
id Ca
p Gr
owth
Small
/Mid-
Cap
Stoc
ksMi
d-Ca
p Gr
owth
Stoc
ks1.3
0%$1
3.00
14.33
%18
.52%
10.58
%13
.37%
9.36%
10.45
% N/
A
TA V
angu
ard S
mall-C
ap V
alue I
ndex
Re
t Opt
Russ
ell 2
000
Value
Small
/Mid-
Cap
Stoc
ksSm
all-C
ap
Value
Stoc
ks0.9
4%$9
.4011
.57%
13.1
0%11
.51%
11.1
8%10
.34%
9.88%
See T
ype A
- GA
C no
te be
low fo
r tra
nsfer
restr
iction
s
Inves
co S
mall C
ap G
rowt
h Ret
Opt
S&P
500
Small
/Mid-
Cap
Stoc
ksSm
all-C
ap
Grow
th St
ocks
1.17%
$11.7
023
.77%
14.3
7%14
.44%
13.4
2%11
.82%
10.17
%Se
e Typ
e A -
GAC
note
below
for
trans
fer re
strict
ions
Neub
erge
r Ber
man R
eal E
state
Ret O
ptFT
SE N
AREI
T Al
l Equ
ity R
EITs
Small
/Mid-
Cap
Stoc
ksRe
al Es
tate
1.47%
$14.7
04.5
3%4.
93%
7.37%
8.88
%8.4
5%8.3
0% N/
AAm
erica
n Fun
ds E
uroP
acific
Gro
wth R
et Op
tM
SCI A
CWI E
x USA
Inter
natio
nal
Stoc
ksW
orld/
Fore
ign
Stoc
ks1.1
0%$1
1.00
8.68%
7.28
%7.7
5%5.
99%
4.26%
2.54%
See T
ype A
- GA
C no
te be
low fo
r tra
nsfer
restr
iction
s
Oppe
nheim
er D
evelo
ping M
arke
ts Re
t Op
tM
SCI E
M
Inter
natio
nal
Stoc
ksEm
ergin
g Ma
rket S
tocks
1.57%
$15.7
011
.89%
8.20
%5.2
9%5.
01%
5.10%
2.26%
N/A
Blac
kRoc
k Glob
al Al
locati
on R
et Op
tFT
SE W
orld
Inde
xMu
lti-As
set/O
ther
Balan
ced
1.30%
$13.0
03.3
6%11
.14%
4.85%
10.1
3%4.1
4%6.5
9% N/
AMa
nning
& N
apier
Pro
-Mix
Cons
erva
tive
Term
Ret
Opt
Mor
nings
tar M
oder
ately
Con
serv
ative
Ta
rget
Risk
Multi-
Asse
t/Othe
rAs
set
Alloc
ation
Inv
estm
ent
Choic
es
1.25%
$12.5
02.7
6%4.
68%
3.33%
5.23
%4.5
3%5.2
7% N/
A
Mann
ing &
Nap
ier P
ro-M
ix Mo
dera
te Te
rm R
et Op
tM
ornin
gsta
r Mod
erat
ely C
onse
rvat
ive
Targ
et R
isk
Multi-
Asse
t/Othe
rAs
set
Alloc
ation
Inv
estm
ent
Choic
es
1.30%
$13.0
04.1
8%4.
68%
4.29%
5.23
%4.9
4%5.2
7% N/
A
Mann
ing &
Nap
ier P
ro-M
ix Ex
tende
d Te
rm R
et Op
tM
ornin
gsta
r Mod
erat
e Ta
rget
Risk
Multi-
Asse
t/Othe
rAs
set
Alloc
ation
Inv
estm
ent
Choic
es
1.30%
$13.0
06.2
4%6.
92%
5.58%
6.92
%5.7
6%6.2
8% N/
A
Cont
ract
No.
800
926-
0000
0(00
0)7
Com
para
tive C
hart
- Tab
le 1 -
Var
iable
Choi
ces
Nam
e of I
nves
tmen
t Ch
oice
/Ince
ptio
n (M
o/Yr
)/Be
nchm
ark
Asse
tCl
ass
Sub-
Asse
t Cl
ass
Tota
l Ann
ual
Inve
stm
ent C
hoice
Oper
atin
g Ex
pens
es
Aver
age A
nnua
l Tot
al Re
turn
06
-30-
2018
Shar
ehol
der-T
ype F
ees /
Co
mm
ents
As %
Per
$1,00
0*1 Y
r.5 Y
r.10
Yr.
or S
ince
Incep
tion
Mann
ing &
Nap
ier P
ro-M
ix Ma
ximum
Te
rm R
et Op
tM
ornin
gsta
r Agg
ress
ive T
arge
t Risk
Multi-
Asse
t/Othe
rAs
set
Alloc
ation
Inv
estm
ent
Choic
es
1.30%
$13.0
013
.13%
11.4
2%8.9
2%9.
93%
7.47%
7.55%
N/A
*This
is th
e cos
t of e
ach I
nves
tmen
t Cho
ice fo
r a 12
-mon
th pe
riod o
f time
.No
te Ty
pe A
- GA
C: T
rans
fers i
nto th
e inv
estm
ent c
hoice
are r
estric
ted fo
r a ro
lling 3
0-da
y per
iod on
ce a
trans
fer ou
t has
been
mad
e.
Note
Type
B -
GAC:
Tra
nsfer
s into
the i
nves
tmen
t cho
ice ar
e res
tricted
for a
rollin
g 28-
day p
eriod
once
a ro
und t
rip tr
ansfe
r ("in
" and
"out"
) has
been
mad
e.
Tabl
e 2 be
low fo
cuse
s on
Inves
tmen
t Cho
ices t
hat h
ave
a fix
ed o
r stat
ed ra
te of
retur
n, an
d sh
ows t
he a
nnua
l rate
of r
eturn
, the
term
or l
ength
it is
earn
ed, a
nd o
ther i
nform
ation
re
levan
t to pe
rform
ance
.
Com
para
tive C
hart
- Tab
le 2 –
Fixe
d Ch
oice
s
Nam
e of I
nves
tmen
t Cho
iceRe
turn
/Cre
dite
d Ra
teTe
rmOt
her (
Expl
anat
ion
of T
erm
)Sh
areh
olde
r-Typ
e Fee
s/Com
men
ts
Ther
e are
no in
vestm
ent c
hoice
s und
er yo
ur P
lan th
at ha
ve a
fixed
or st
ated r
ate of
retur
n.
Exhi
bit A
– Su
mm
ary o
f Plan
Fee
s and
Tra
nsac
tion
Fees
Ge
nera
lly, tr
ansa
ction
fees
are p
aid by
partic
ipants
.
Plan
fees
may
be pa
id by
your
emplo
yer o
r divi
ded u
p amo
ng al
l par
ticipa
nts.
Un
der c
ertai
n circ
umsta
nces
, ser
vice f
ee di
scou
nts, r
ecor
dkee
ping f
ee w
aiver
s, or
the u
se of
plan
forfe
iture
s may
cove
r or r
educ
e the
fees
state
d belo
w.
Type
of S
ervic
e, Fe
atur
e or B
enef
itTr
ansa
mer
ica C
harg
esBa
sis
Cont
ract
No.
800
926-
0000
0(00
0)8
(Exp
ress
ed in
$)Tr
ansa
ctio
n Fe
es
Term
inatio
ns / L
ump S
um D
istrib
ution
$0Pe
r dist
ributi
on
Death
Ben
efits
$0Pe
r dist
ributi
on
Disa
bility
Ben
efits
$0Pe
r dist
ributi
on
QDRO
Dist
ributi
on F
ee$0
Per d
istrib
ution
Ins
tallm
ents
$0Pe
r dist
ributi
on
Hard
ship
With
draw
al$0
Per d
istrib
ution
In-
Servi
ce W
ithdr
awal
$0Pe
r dist
ributi
on
Requ
ired M
inimu
m Di
stribu
tions
$0Pe
r dist
ributi
onPl
an F
ees
Parti
cipan
t Cha
rges
1
- 24
$0Pe
r Par
ticipa
nt
25 -
49
$20
Per P
artic
ipant
50
- 2
49$1
5Pe
r Par
ticipa
nt
250
- 49
9$1
3Pe
r Par
ticipa
nt
500
- 99
9999
$11
Per P
artic
ipant
Base
Fee
s
1 -
24$5
00Pe
r Yea
r
25 -
999
999
$0Pe
r Yea
r
Cont
ract
Ass
et C
harg
es: C
ACs a
re ca
lculat
ed ba
sed o
n the
total
asse
ts in
the P
lan an
d the
actua
l amo
unt d
educ
ted fr
om, o
r cre
dited
to, a
partic
ipant’
s acc
ount
is ba
sed o
n the
total
acco
unt b
alanc
e for
the P
lan.
Thes
e cha
rges
may
be us
ed to
subs
idize
costs
for p
lan-re
lated
reco
rdke
eping
, adm
inistr
ation
, pay
ment
to fin
ancia
l adv
isors,
and o
ther
retire
ment
plan s
ervic
es th
at wo
uld ot
herw
ise be
char
ged s
epar
ately.
The a
nnua
l CAC
perce
ntage
is as
sess
ed on
a Mo
nthly
basis
. As o
f July
15, 2
018,
the an
nual
CAC
perce
ntage
was
0.20
% b
ased
on th
e tota
l ass
ets in
the P
lan as
of th
e date
sh
own a
bove
. As
the v
alue o
f the a
ssets
in th
e Plan
chan
ge, th
e CAC
may
decre
ase o
r incre
ase o
n a M
onthl
y bas
is ac
cord
ing to
the r
ate sc
hedu
le in
the C
ontra
ct an
ywhe
re
betw
een 0
.20%
- 1.9
5%. F
or sp
ecific
infor
matio
n, ple
ase c
ontac
t you
r Plan
Adm
inistr
ator.
Surre
nder
Cha
rges
: Dep
endin
g on
the
spec
ific u
nder
writin
g of
the C
ontra
ct, u
pon
total
or p
artia
l disc
ontin
uanc
e of
the C
ontra
ct, a
n as
set-b
ased
surre
nder
/disc
ontin
uanc
e ch
arge
ma
y app
ly for
a lim
ited n
umbe
r of d
epos
it yea
rs. P
lease
conta
ct the
Par
ticipa
nt Ca
ll Cen
ter at
1-80
0-40
1-87
26 fo
r spe
cific
detai
ls.