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Get ready to start saving

A benefit of your plan is you are automatically enrolled; you won’t need to go through a bunch of steps and screens to start the process. Of course, no action will be taken by us until you say it’s time.

When you are ready to start contributing, here’s all you have to do:

  • Set up your online account. You’ll need your account number, which you can get from your welcome letter or by calling us at 1-866-242-5048
  • Log in
  • Enter your contribution amount. You can get to the Change Contribution page from the drop-down menu
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There are IRS limits to the standard and catch-up deferrals you can make to your plan.
See the limits

How much should I save from each check?

It comes down to "as much as you can." What you can afford.

What should you invest in?

Stocks, mutual funds, bonds & more – there are so many options. So much to understand.

How do you want to handle making investment decisions?

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Option 1: Do it myself

Make some of the decisions yourself after you get some help from My Investment Planner. It shows you some options that might fit your investing style and tolerance for risk.
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Option 2: Help me do it

Select a Target Date Fund that aligns with the year closest to when you think you will start taking distributions.

Enrolling & investing videos

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How a retirement plan works

Play video
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The whats and whys of enrolling

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Participation Agreement

Enroll in your plan

Print the form

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Already enrolled in a plan but don't yet have an online account?
Sign up for an account

Market risk

Investing involves market risk, including the possible loss of the money you invest.

View fund performance

Investment selection options

Do it myself

Build your own portfolio by understanding your risk tolerance and your plan’s investment options & performance.

Go to My Investment Planner

Help me do it

Select an investment option that aligns with your investing personality (conservative, moderate, aggressive) or the year closest to when you hope to retire. Consider asset allocation funds or target date funds.

Asset allocation funds are available for conservative, moderate or aggressive investors.

Target date funds are a type of asset allocation fund that is rebalanced over time to become more conservative as retirement approaches.

Target date funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the target date funds, you pay a proportionate share of the expenses of the underlying funds. Target date funds are designed for people who plan to withdraw funds during or near a specific year. Like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.