Lay employees may join the Defined Contribution Retirement Plan if their employer adopts the plan and if the employee:
- Has been in the job for at least a year
- Works at least 1,000 hours a year
- Is at least age 21
Employers may expand participation to those who are younger, have less service, or work less than 1,000 hours a year.
| For Employers | View |
|---|---|
| Employer Application (Adoption Agreement) |  |
| Employer's Frequently Asked Questions | |
| New 403(b) Regulations: Frequently Asked Questions | |
| For Employees | View |
|---|---|
| Employee Application | |
| Beneficiary Designation Form | |
| Summary Plan Description | |
| Reviewing Your Investment Options | |
| Making Your Investment Decisions | |
| Fund Performance | |
| Account Access Guide | |
| Employee's Frequently Asked Questions | |
Questions?
Call (866) 802-6333
Monday - Friday
8:30 a.m. to 4:45 p.m. (Eastern> or
Email us
*Our online documents are available for immediate download and viewing using Adobe's FREE Acrobat Reader.