ERISA 404(a) Participant Disclosure Regulation Resource Center - 13

Participant Education Materials
Annual Disclosure

Materials to help your participants understand fees, the benefits of participating and the basics of investing
» Click on the title to link directly to the piece. » You may need to enable pop-up functionality in your
web browser to view the materials in this tool.

Newly Eligible Disclosure

Quarterly Disclosure

Materials to help participants understand retirement plan fees:

Understanding Retirement Plan Fees

Understanding Retirement Plan Fees brochure

Understanding Retirement Plan Fees

Understanding Retirement Plan Fees PowerPoint
(Contact your representative of The Principal)

Disclosure Regulation Participant Notification
(Email also available)

Communicating Changes
Materials to promote the value and benefits of your retirement plan:
ERISA 404(a) participant disclosure regulation overview
Powerful. Beneﬁcial. The Employer-Sponsored Retirement Plan Available for You.
The enclosed document provides information intended to help you make informed decisions about your participation in the employer-sponsored retirement plan. And as you consider the features of the plan, you’ll ﬁnd it provides more than just a simpler, consistent process to invest funds towards retirement. Explore the Features – Enjoy the Potential Beneﬁts
With automatic salary deferrals, tax-deferred savings and a variety of investment options to choose from, the employer-sponsored retirement plan is uniquely suited to help you build a solid savings strategy. Participating in the plan means you can take advantage of the following beneﬁts: • A simpler way to save. An employer-sponsored retirement plan is arguably one of the easiest and most painless ways to save for retirement. Because the retirement plan contribution is automatically deducted from your pay, you don’t have to make retirement savings part of your monthly budgeting and spending decisions. • Tax breaks. When your salary deferral contribution is taken out before taxes through payroll deduction, your taxable income is reduced. • Dollar-cost averaging. When you contribute a ﬁxed amount on a regular basis, you may beneﬁt from “dollar-cost averaging.” This can be a consistent and affordable way for you to invest over the long term, because you may buy more shares when the market is down, and fewer shares when the market is up. • An employer match. Because you receive an employer match of your contributions up to a certain percentage, you get additional money towards your retirement savings. • The potential for growth. As you invest for the long term, retirement funds have the potential to work for you over time through compound earnings. The account has the potential to grow by generating earnings on both the original investment and reinvested earnings.

The Value of the Retirement Plan employer match
(Distribute with the Annual Disclosure)

Powerful. Beneﬁcial. The Employer-Sponsored Retirement Plan Available for You.
The enclosed document provides information intended to help you make informed decisions about your participation in the employer-sponsored retirement plan. And as you consider the features of the plan, you’ll ﬁnd it provides more than just a simpler, consistent process to invest funds towards retirement. Explore the Features – Enjoy the Potential Beneﬁts
With automatic salary deferrals, tax-deferred savings and a variety of investment options to choose from, the employer-sponsored retirement plan is uniquely suited to help you build a solid savings strategy. Participating in the plan means you can take advantage of the following beneﬁts: • A simpler way to save. An employer-sponsored retirement plan is arguably one of the easiest and most painless ways to save for retirement. Because the retirement plan contribution is automatically deducted from your pay, you don’t have to make retirement savings part of your monthly budgeting and spending decisions. • Tax breaks. When your salary deferral contribution is taken out before taxes through payroll deduction, your taxable income is reduced. • Dollar-cost averaging. When you contribute a ﬁxed amount on a regular basis, you may beneﬁt from “dollar-cost averaging.” This can be a consistent and affordable way for you to invest over the long term, because you may buy more shares when the market is down, and fewer shares when the market is up. • An employer match. Because you receive an employer match of your contributions up to a certain percentage, you get additional money towards your retirement savings. • The potential for growth. As you invest for the long term, retirement funds have the potential to work for you over time through compound earnings. The account has the potential to grow by generating earnings on both the original investment and reinvested earnings.

The Value of the Retirement Plan no employer match
(Distribute with the Annual Disclosure)

Ten Reasons to Save for Retirement

Create a disclosure reference guide customized to your plan anniversary date

The Impact Salary Deferral contributions Have on Your Paycheck

Maximize Retirement Savings

Access participant education materials

Materials to help participants make wise investment decisions:

Six Simple Rules of Investing

The Five Stages of Smart Retirement Investing

When is a Good Time to Invest?

Frequently asked questions

Why Rebalance?

The case Against Timing the Market

Diversification: An Investment Strategy for Retirement Savings

ERISA 404(a) Participant Disclosure Regulation Resource Center

Table of Contents for the Digital Edition of ERISA 404(a) Participant Disclosure Regulation Resource Center