Or, Retrieve My Saved Plan Design

1. Contact Information

1a. The full legal name of the employer who will sponsor this 401(k) Plan is:

1b. My name is:

1c. My email address is:

1d. Please re-enter your email address:

2. Eligibility 

Employees  --- Select age --- of any age who are at least age 18 who are at least age 19 who are at least age 20 who are at least age 21

Can join the Plan on:

	their date of hire: [Immediate]
	the first day of the month following their date of hire: [Monthly]
	the first day of Jan, Apr, Jul or Oct following their date of hire: [Quarterly]
	the first day of the month following 1 month of employment: [1 Month]
	the first day of the month following 2 months of employment: [2 Month]
	the first day of the month following 3 months of employment: [3 Month]
	the first day of the month following 6 months of employment: [6 Month]
	the first day of the month following 1 Year of Service: [1 Year - Monthly Entry]
	the first day of Jan, Apr, Jul or Oct following 1 Year of Service: [1 Year - Quarterly Entry]
	the first day of Jan or Jul following 1 Year of Service: [1 Year - Semiannual Entry]

Selecting "1 Year" with "Monthly," "Quarterly" or "Semiannual" entry requires employees to work at least 1,000 hours to receive credit for a "Year of Service." The other service rules above allow employees to join regardless of the number of hours worked in the waiting period.

3. Contributions 

3a. Employees can contribute up to $11,000 per calendar year subject to IRS percentage of pay limits.

3b. The Employer will match -- Select match % -- 0% 25% 50% 100% of -- Select match limit -- all the first 1% of the first 2% of the first 3% of the first 4% of the first 5% of the first 6% of the first 7% of the first 8% of the first 9% of the first 10% of pay the employee contributes.

(For example, if the formula is "50% of the first 6% of pay," an employee who contributes 10% of pay will receive a 3% match from the employer for a combined employee-employer contribution of 13% of pay.)

4. Vesting 

4a. Employee contributions are always 100% "vested" (i.e., owned by the employee). However, employer contribution accounts vest according to one of the following vesting schedules:

4b. Years of Service prior to the start of this Plan will will not be counted for calculating vesting.

5. Loans 

Participants will will not be allowed to borrow up to $50,000 (but not more than ½ of their vested account balance) and repay the loan by payroll deductions over not more than five years.