For Plan Participants

Many employers have established retirement plans to provide you with benefits when you retire in addition to your social security. When you become eligible for plan participation, you will receive a copy of a Summary Plan Description giving further details on the Plan.

The majority of retirement plans are established as profit sharing plans, which permit the employer to make contributions on your behalf on a discretionary basis. Many profit sharing plans include a 401(k) component, which allows the employee to participate and enhances retirement savings in addition to the employer funding.

Each plan design is unique, so employers are required to provide you with information regarding all operational aspects of the plan, including available investment options. Your employer will keep you updated as the retirement plan provisions are changed or modified.

If your employer has established a retirement plan to provide you with benefits when you retire, you can view your account balance and other account information via