and...your enrollment guide provides you with information to make the most of your participation in...
TRANSCRIPT
1. Learn About Your Plan
2. Determine Your Personal Risk Profile
3. Determine Your Investment Strategy
4. Complete Your Enrollment/Change Form Required for new participant enrollment or existing participant changes
Tax Savings—Not only are contributions to the plan tax deferred, but also your investment earnings
are not reduced by current taxes. This means you’ll have more in your account, to compound and
build more money for your future. Also, lower tax rates generally will apply to withdrawals during
your retirement years lowering your overall tax bill.
Simplified Investing—Investing in your retirement plan is easier than you think. The Plan Sponsor
has selected funds that offer you a broad range of investment opportunity and has pre-constructed
age/risk models providing a simple way to build a personalized, diversified portfolio.
Personal Control —You control how the assets in your account are invested and can ensure that the
investment strategy fits your personal needs and goals. You can also change your investment
election as your situation changes.
Your plan brings it all together. Take full advantage of all your retirement plan offers. Use this time to
develop a customized strategy to reach your retirement goals. Just follow these 4 Easy Steps:
Your Enrollment Guide
Your Enrollment Guide provides you with information to make the most of your participation
in Fort Zumwalt School District 403(b) Plan.The
Your Plan can help you secure your financial future and attain your retirement goals. All it takes is proper
planning and sticking to your long-term strategy. The Fort Zumwalt School District 403(b) Plan helps you
save for your future by providing many advantages that are not available with other types of savings
plans:
Your Enrollment Guide contains information as of 12/31/2015.
How to Access and Manage Your Account
You can access your account via the Internet or by phone.
You can obtain information including your balance by
source and fund and the general provisions of your Plan. In
order to access your account you will need your User ID and
your PIN (personal identification number).
Web Access:
Automated Voice Access:
Benefits Action Line:
www.MyEkon.com
(866) 721-401k
(866) 871-6356
St. Louis (314) 367-6555
4940 Washington Blvd
St. Louis, MO 63108
Step 1. Learn About Your Plan
General Information
Name of Plan: Fort Zumwalt School District 403(b) Plan Plan Year: January 1 through December 31 Valuation Dates: Daily
Vendors
• Current Vendor – Ekon Benefits will be the district’s only approved vendor to receive contributions after January 1, 2009.
• Prior Vendors - vendors that received contributions between 1/1/2004 through 12/31/2008.
Eligibility
• All employees are eligible for elective deferrals immediately upon employment.
• To begin participation, employees must complete a salary deferral enrollment form 15 days prior to the payroll date.
Funding of Plan
• Employees can contribute from $200 annually up to the maximum dollar limits set by the IRS. Those over age 50 during a calendar year can make the additional over age 50 catch-up contribution.
• Employees can change the contribution rate with 15 days notice.
• Only exchanges amongst prior vendors and from prior vendors to Ekon Benefits are allowed.
• Rollover and Transfer contributions are allowed.
The following Plan provisions are effective January 1, 2009
Investment of Funds
Employee Directed Investment Program through Ekon Benefits.
• Employee will decide which fund(s) will be used for investment of his/her entire Account Balance.
• Funds can be transferred daily.
• Contribution investment elections can be changed daily.
Distribution of Funds
• Participants are eligible for distribution upon attainment of age 59½.
• Termination of Employment – distributions will be made as soon as administratively feasible following application for benefits after separation from service. Distributions will be made in a lump sum, rollover, or installments.
• Transfers to the retirement system can be made to purchase permissive service credits.
Hardship Withdrawals
Hardship withdrawals are allowed but only after all other resources have been exhausted. The amount available will be limited to your tax-deferred contributions without earnings and there are only certain reasons that are valid to obtain a hardship withdrawal. Hardship withdrawals are subject to taxes and an additional excise tax of 10% (if you are less than 59½) at the time of distribution. You will also be required to suspend your tax-deferred contributions to the Plan for six months after the hardship is taken.
Loans
Ekon Benefits - Loans are allowed up to ½ of your account balance subject to a minimum of $1,000 and a maximum of $50,000. Loans are required to be repaid by payroll deduction and cannot be made for more than five years. The rate of interest will be determined at the time of the loan equal to the prime lending rate + 1%. Only one outstanding loan is allowed at any given time and there is a one-time initiation fee of $75 for each loan or refinancing.
Loans through Prior Vendors – Loans will be permitted to the extent permitted by the Individual Agreement controlling the Account assets from which the loan is made.
Account and Custodial Fees
• An account maintenance fee of $9 per quarter will be deducted from your account after the end of each calendar quarter.
• Retirement, termination and hardship distributions are subject to a one-time $35 fee.
• Custodial fees of 0.05% per year or 0.0125% per quarter of your account balance will be deducted from your account after the end of each calendar quarter. For example, if your fund balance is $10,000 as of the end of the quarter, you'll pay $1.25 after the end of that calendar quarter. The maximum quarterly fee that a participant will experience is $21.50, which consists of a $9 account maintenance fee and an asset based custodial fee of $1.25/$10,000 limited to $12.50.
Rev. 07/2015
Step 2. Determine Your Personal Risk Profile
Sometimes losses are prolonged and sometimes they are short-lived. What would you do if your assets dropped by 20% in one year? a. I would move my money to lower risk types of investments.
b. I would be concerned about my retirement account and would consider moving to lower risk types of investments if the losses continued.
c. I would continue to invest according to my long-term investment strategy.
If you had over 20 years to save, which investment portfolio has year-to-year returns that would make you most comfortable? a. Portfolio A — Low potential risk/return
b. Portfolio B — Moderate potential risk/return
c. Portfolio C — Greatest potential risk/return
What does the word “Risk” mean to you? a. Loss
b. Uncertainty
c. Opportunity
Which of the following best describes you? a. I have trouble staying with a plan.
b. I stay with a strategy as long as it works.
c. Once I make up my mind, I will stay with my plan.
Which statement best describes your investment philosophy? a. I want to avoid losses. I want stable investments that generate consistent returns even if they are likely to be lower.
b. I don’t mind some fluctuations in the value of my investments, but I want to avoid investments that could have big losses.
c. I can handle the fluctuations if I have the chance to earn higher returns over time.
The chart below shows the potential one-year fluctuations in different portfolios. With which portfolio do you feel most comfortable? a. Lower risk, lower return
b. Moderate risk, moderate return
c. Higher risk, higher return
Possible fluctuations of $3,000 in one year
$2,800
$3,500
$3,900
$2,550
$4,300
$2,000
$4,500 4,000 3,500 3,000 2,500
2,000
A B C
A
B
C
Points 0
2
4
0
2
4
0
2 4
0
2
4
Points
0 2
4 0
2
4
Risk Tolerance Score Personal Risk Profile
0-8 Conservative
9-18 Moderate
19-24 Aggressive
Add points for your Risk Tolerance Score:
All investments have risk. Generally, the higher the risk, the higher the potential return. Take this
survey to determine your personal risk profile.
Step 3. Determine Your Investment Strategy
The following Asset Allocation Models are provided by the Plan Sponsor to help you determine your personal investment strategy. These models are based on generally
accepted investment theories that take into account the historic returns of different asset classes (e.g., stocks, bonds, stable asset) over defined periods of time. Your
Personal Risk Tolerance and your Time Horizon are the two most important factors in deciding on an investment strategy. In using these models you should consider
your other assets, income and investments (e.g., equity in a home, IRA investments, savings accounts) besides your money in the Plan. The blue asset classes are fixed
income or bond investments. The green asset class contains a target date series of funds. Stock investments are represented in the yellow category and below. The
values in the sub-totals of each asset class are the model's suggested percentage allocation.
Identify your personal model in the chart below using your Personal Risk Profile from Step 2 (Conservative, Moderate, Aggressive) and your Age (from 25-65)
representing your Time Horizon. Fill in each individual fund percentage in this column using whole percentages. You may select one or more funds within each asset
class or simply diversify within each asset class equally, so that the fund percentages sum to the sub-totals. Feel free to adjust your sub-totals to match your own
personal preferences, but ensure that your total choices sum to 100%. Alternatively, if you do not wish to balance your investments yourself, the green asset class allows
you to simply put 100% of your assets into a target date fund.
AssetClass
InvestmentName
InvestmentCategory
Personal Risk Profile/Age--------Conservative-------- ---------Moderate--------- ---------Aggressive---------
25 35 45 55 65 25 35 45 55 65 25 35 45 55 65
StableAsset 5% 15% 20% 30% 40% 0% 5% 10% 15% 20% 0% 0% 0% 5% 10%
Standard Stable Asset Fund 1 Stable Asset
SUB-TOTAL
BondFunds
10% 20% 30% 40% 45% 5% 10% 15% 25% 30% 0% 0% 0% 5% 10%
PIMCO GNMA APIMCO Invmt Grade Corp Bond APIMCO Total Return ATempleton Global Bond A
Intermediate Government
Intermediate-Term Bond
Intermediate-Term Bond
World Bond
SUB-TOTAL
BalancedFunds 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Amer Funds 2010-60 Target R4 Target Date
SUB-TOTAL
ValueStock
30% 25% 25% 15% 10% 25% 25% 20% 20% 15% 20% 20% 20% 20% 20%
AmCent Equity Income AAmer Funds Washington R4AllianzGI NFJ SmCap Value A
Large Value
Large Value
Small Value
SUB-TOTAL
BlendStock
20% 15% 10% 10% 5% 25% 20% 20% 15% 10% 20% 20% 20% 15% 10%
Amer Funds Fundamental Invs R4Invesco S&P 500 Index AT Rowe Price SmCap Value Adv
Large Blend
Large Blend
Small Blend
SUB-TOTAL
GrowthStock
20% 15% 10% 5% 0% 25% 25% 20% 15% 15% 35% 35% 35% 35% 35%
Amer Funds Growth Fund R4Amer Funds New Economy R4Amer Funds SMALLCAP World R4T Rowe Price SmCap Stock Adv
Large Growth
Large Growth
Mid-Cap Growth/World
Small Growth
SUB-TOTAL
WorldStock
15% 10% 5% 0% 0% 20% 15% 15% 10% 10% 25% 25% 25% 20% 15%
Amer Funds Cap World Gr&Inc R4Amer Funds Europacific Grth R4Amer Funds New World R4
World Stock
Foreign Large Growth
Diversified Emerging Mkts
SUB-TOTAL
GRAND TOTAL 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
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Fort Zumwalt School District403(b) Plan
Enrollment/Change Form
Name ,
Last First Initial
Social Security Number
AddressStreet City State Zip
Effective Date
Date of Birth
Date of Hire
/ /
/ /
/ /
A. What is the Purpose of this Form? Check the appropriate box(es) below and complete the applicable sections.
New Enrollment —Complete B & C
Basic Data Change
Rollover —Complete C
Sick Leave Reimburse —B & C (1 time election)
Change Contribution Rate —Complete B
Change Future Investment Election —Complete C
Rebalance Existing Assets —Complete D
I do not wish to contribute —Complete C for Employer contributions
B. Contribution Rate Election:
I hereby elect to contribute $________ per payroll (minimum $200 annually).
Contributions can be made up to the legal maximum, for 2016 the dollar limit is $18,000. If you are age 50 by the end of the Calendar year, you can contribute an additional $6,000 in catch-up contributions.
C. & D. How You Want Your Money Invested: Make your elections in multiples of 1%.
Investment Options
C.Future
Election
D.Rebalance
Assets
Stable Asset Standard Stable Asset Fund 1 Stable Asset
Bond Funds
PIMCO GNMA A Intermediate Government
PIMCO Invmt Grade Corp Bond A Intermediate-Term Bond
PIMCO Total Return A Intermediate-Term Bond
Templeton Global Bond A World Bond
Balanced FundsAmer Funds 2010-60 Target R4 Target Date
Circle One: 2010 2015 2020 2025 2030 2035 2040 2045 2050 2055 2060
Value Stocks
AmCent Equity Income A Large Value
Amer Funds Washington R4 Large Value
AllianzGI NFJ SmCap Value A Small Value
Blend Stocks
Amer Funds Fundamental Invs R4 Large Blend
Invesco S&P 500 Index A Large Blend
T Rowe Price SmCap Value Adv Small Blend
Growth Stocks
Amer Funds Growth Fund R4 Large Growth
Amer Funds New Economy R4 Large Growth
Amer Funds SMALLCAP World R4 Mid-Cap Growth/World
T Rowe Price SmCap Stock Adv Small Growth
World Stocks
Amer Funds Cap World Gr&Inc R4 World Stock
Amer Funds Europacific Grth R4 Foreign Large Growth
Amer Funds New World R4 Diversified Emerging Mkts
Total 100% 100%Some funds may have trading fees or restrictions see Performance & Expenses page for more detail.
Signature This form must be signed, dated and returned to in sufficient time prior to the effective date of the change. Date
12/2015I authorize the Plan Administrator to take the action indicated above with regard to my participation in the Plan.
Beneficiary Form
Name Social Security Number
I reserve the right to change the beneficiary(ies) at any time by giving notice to the Trustees in writing. This designation revokes
any previous designation of beneficiary(ies).
Participant Signature Date Witness Signature Date
Designation of Beneficiary
Primary Beneficiary(ies):
Name Date of Birth Social Security Number Relationship
Contingent Beneficiary(ies):
Name Date of Birth Social Security Number Relationship
Spousal Consent
This Section is to be completed only if Participant is married and does not designate his/her spouse as sole
Primary Beneficiary.
I understand that if the Primary Beneficiary is someone other than me, I am giving up any death benefit due to me
by giving my consent to the above Designation of Beneficiary.
I understand that without my consent to the Beneficiary Designation, I am entitled to the death benefit payable to a spouse under Plan provisions in absence of a Beneficiary Designation Form. The remaining death benefits, if any
not payable to me, will be payable to the Beneficiary(ies) designated by the Participant.
I DO consent to the Beneficiary selection.
I DO NOT consent to the Beneficiary selection.
Signature of Spouse Date
The person signing above appeared before a notary public and made the election as a voluntary act
and deed.
Notary Seal (Required) Signature of Notary Date
If more than one Primary Beneficiary survives Participant the benefit will be equally divided among the surviving Primary
Beneficiaries, unless Participant designates a different division. If no Primary Beneficiary survives Participant the benefit will be
equally divided among surviving Contingent Beneficiaries, unless Participant designates a different division.
If there is no named Beneficiary when a Participant dies, the Participant’s Beneficiary shall be the Participant’s surviving spouse,
or where there is no surviving spouse, the executor or administrator of the Participant’s estate.
Fort Zumwalt School District
403(b) Plan