YOUR GUIDE TO GETTING STARTED - s13540.pcdn.co

1 YOUR GUIDE TO GETTING STARTEDR ochester Regional Health403(b) Defined Contribution PlanInvest in your retirement and yourself today, with help fromthe Rochester Regional Health 403(b) Defined ContributionPlan and some of what you earn today for what you plan toaccomplish Employee:It s a pleasure to provide you with information about the Rochester Regional Health 403(b) DefinedContribution Plan. Take a look and see what a difference the Plan could make in achievingyour from: Convenience. Your contributions are automatically deducted regularly from your savings now.

2 Your pretax contributions are deducted from your pay before income taxes aretaken out. This means that you can actually lower the amount of current income taxes you payeach savings opportunities. You pay no taxes on any earnings until you withdraw themfrom your account, enabling you to keep more of your money working for you You can roll over eligible savings from a previous employer into this Plan. You can alsotake your plan vested account balance with you if you leave the options. You have the flexibility to select from investment options that range frommore conservative to more aggressive, making it easy for you to develop a well-diversifiedinvestment annual increases.

3 Save a little more each year, the easy way the Annual IncreaseProgram automatically increases your contribution each beneficiary. With Fidelity s Online Beneficiaries Service, you can designate yourbeneficiaries, receive instant online confirmation, and check your beneficiary information virtuallyany contributions. If you make the maximum contribution to your plan account, and you are50 years of age or older during the calendar year, you can make an additional catch-up contribution of $6,000 in learn more about what your plan offers, see Frequently asked questions about your plan inthis in your plan and invest in yourself asked questions about your are answers to questions you may have about the key features, benefits, and rules of your can I enroll in the Plan?

4 You can enroll anytime after you you have not enrolled in the Plan within 60days from your eligibility date, you will beautomatically enrolled in the Plan at acontribution rate of 3% of your pretax eligibleearnings. Your contributions will be invested inthe Vanguard Institutional Target Retirement -Institutional Shares. We encourage you to takean active role in the Plan and to choose acontribution rate and investment options thatare appropriate for you. If you do not wish tocontribute to the Plan, you must change yourcontribution rate to 0% within the first 60calendar days.

5 You may change yourcontribution rate at any time by logging on toFidelity NetBenefits , or by calling theFidelity Retirement Benefits Line do I enroll in the Plan?Log on to Fidelity NetBenefits or call the FidelityRetirement Benefits Line at 1-800-343-0860 toenroll in the much can I contribute?Through automatic payroll deduction, you maycontribute between 1% and 80% of youreligible pay on a pretax basis. In addition, youcan elect to automatically increase yourretirement savings plan contributions each yearthrough the Annual Increase Program. You cansign up by logging on to Fidelity NetBenefits at and clicking"Contribution Amount" or by calling theFidelity Retirement Benefits Line is the IRS contribution limit?

6 The IRS contribution limit for 2018 is $18, is my enrollment effective?Your enrollment becomes effective once youelect a deferral percentage, or allow the 3%automatic enrollment, initiating contributionsfrom your pay. These salary deductions willgenerally begin with your next pay period afterwe receive your election, or as soon asadministratively do I designate my beneficiary?If you have not already selected yourbeneficiaries, or if you have experienced a life-changing event such as a marriage, divorce,birth of a child, or a death in the family, it s timeto consider your beneficiary s Online Beneficiaries Service, availablethrough Fidelity NetBenefits , offers astraightforward, convenient process that takesjust minutes.

7 Simply log on to FidelityNetBenefits at andclick on the Profile link, then select Beneficiaries and follow the onlineinstructions. If you do not have access to theInternet or prefer to complete your beneficiaryinformation by paper form, please call theFidelity Retirement Benefits Line are my investment options?To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuit your goals, time horizon, and risktolerance. The various investment options1 FAQsavailable through the Plan includeconservative, moderately conservative, andaggressive funds.

8 A complete description ofthe Plan s investment options and theirperformance, as well as planning tools to helpyou choose an appropriate mix, are availableonline at Fidelity NetBenefits .What if I don t make an investmentelection?We encourage you to take an active role in theRochester Regional Health 403(b) DefinedContribution Plan and choose investmentoptions that best suit your goals, time horizon,and risk tolerance. If you do not select specificinvestment options in the Plan, yourcontributions will be invested in the targetretirement date fund closest to the year youmight retire, based on your current age andassuming a retirement age of 65, at thedirection of Rochester Regional Health.

9 Pleaserefer to the chart in the Investment Optionssection for more no date of birth or an invalid date of birth ison file at Fidelity, your contributions may beinvested in the Vanguard Institutional TargetRetirement Income Fund Institutional more information about the options, logon to Fidelity NetBenefits "catch-up" contribution can I make?If you have reached age 50 or will reach 50during the calendar year January 1 December 31 and are making the maximumplan or IRS pretax contribution, you areallowed to contribute an additional $6,000annually as a "catch-up" contribution.

10 Goingforward, catch-up contribution limits will besubject to cost of living adjustments (COLAs) in$500 am I vested?You are always 100% vested in your owncontributions to the Rochester Regional Health403(b) Defined Contribution matching contributions, ifapplicable, may be subject to a vestingschedule. For information on employermatching contributions, please review yourplan s Summary Plan Description I take a loan from my account?Although your plan account is intended for thefuture, you may borrow from your account forany learn more about or to request a loan, logon to Fidelity NetBenefits or call the FidelityRetirement Benefits Line at I make withdrawals from my account?