If you are an eligible Employee, you may begin participating in the Plan as soon as administratively possible following your completion of a 401(k) Enrollment / Contribution Change Form.

Form to Elect 401(k) Retirement Contributions

Summary Plan Description

Annuity Contributions

Because the 401(k) Plan is intended to be a Safe Harbor Plan, and Annuity contributions satisfy the Safe Harbor minimum contribution requirement, only those Employees covered by the Collective Bargaining Agreement that are eligible for Annuity contributions are eligible to participate in the 401(k) Plan. Apprentices, or other individuals covered by the Collective Bargaining Agreement, that do not receive Annuity contributions are not eligible to participate in the 401(k) Plan unless the individual Employer agrees to and signs a Subscription Agreement.

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