Transcription of SUMMARY PLAN DESCRIPTION - Andeavor
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SUMMARY PLAN DESCRIPTION - Andeavor
1 Andeavor 401(k) PLAN SUMMARY PLAN DESCRIPTION As of January 1, 2018 401(k) Plan - January 1, 2018 2 HIGHLIGHTS OF YOUR Andeavor 401(K) PLAN .. 3 IMPORTANT DEFINITIONS .. 4 WHO CAN JOIN .. 4 HOW TO ENROLL .. 5 YOUR CONTRIBUTIONS .. 5 Pre-Tax Savings .. 5 After-Tax (Non-Roth) Savings .. 6 Roth After-Tax Savings .. 6 Rollover Contributions .. 7 Contribution Limitations .. 7 New Hires .. 7 Annual Increase Program .. 7 Andeavor CONTRIBUTIONS .. 8 INVESTMENT EARNINGS AND OPTIONS .. 9 Default Investment Election .. 10 Mutual Fund Information .. 10 Changing Your Investments .. 10 ACCOUNTING AND STATEMENTS .. 11 RECEIVING BENEFITS FROM THE PLAN .. 12 When Benefits Are Payable .. 12 How Benefits Are Paid .. 12 Direct Rollovers .. 13 Small Account Balance 13 Withdrawals from the Plan While Actively Employed .. 13 Taxes .. 14 LOANS .. 15 Application and Authorization .. 15 Loan Limitations .. 15 Interest Rate and Fees .. 15 Source of Loan Funds .. 15 Loan Repayment.
401(k) Plan - January 1, 2018 4 IMPORTANT DEFINITIONS The Andeavor 401(k) Plan (formerly known as The Tesoro Corporation Thrift Plan) is governed by the legal Plan
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