ILC 401(k) SAVINGS AND INVESTMENT PLAN ENROLLMENT

ILC 401(k) SAVINGS AND INVESTMENT PLAN
ENROLLMENT WORKSHEET
Please fill out this worksheet before you call or log in
I NSTRUCTIONS TO ENROLL BY PHONE OR ONLINE
3B
The Participant Information Center and Retirement Access give you two easy ways to enroll in your plan. All you need to do is complete this
worksheet and then call or log in to enroll.
We have provided blank spaces for each number you must enter. The system will prompt you to input your choices and then will confirm each
of your entries.
IMPORTANT: You will be automatically enrolled in the Plan at a 3% pre-tax contribution rate unless you specifically decline
enrollment or elect to contribute at a different rate.
▪ To decline enrollment or change your contribution rate, contact MassMutual by the 20th of the month preceding your
entry date. Your entry date will be the first day of the month following the day you become eligible for the plan.
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5B
Notice of your right to have no 401(k) contributions made to the plan: You have a right NOT to have your pay reduced and
contributed to the Plan. If you do not want to contribute, you must enter a 0% when you choose your contribution amount in
Step 2. This must be done prior to the 20th of the month preceding your entry date.
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When you enroll or change your contribution rate by the 20th of any given month, your new payroll deduction will begin with your first paycheck
the following month. After enrolling, be sure to designate your beneficiaries on-line. If you are married, your primary beneficiary under the Plan
is your spouse unless your spouse consents to your designation of a non-spouse beneficiary. If you elect a non-spouse beneficiary you must
complete the Beneficiary Designation Form and return to MassMutual Retirement Services.
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Enroll/change online
1.
2.
3.
Log on to www.ilc401k.com and click on “Enroll or Access Your 401(k) Account”. Login on the Retirement Access Welcome page.
Follow the online instructions
Call 1-800-854-0647 if you need assistance. Service Representative are available Monday to Friday from 8 a.m. to 9 p.m.
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Enter your Social Security Number (SSN) to establish your initial User Name.
Enter the month, day and year of your birthday in an eight-digit format
(MMDDYYYY) to establish your initial Password.
Choose a new Password
 Your new Online Password must be 8-12 characters containing two numbers and two letters. Special characters are supported.
Your Password is case sensitive. Choose a new User Name. Your new User Name must be between 8 to 25 characters. Special
characters, except for @, are supported. Your User Name is not case sensitive.
 You will then be prompted to set up a Password “Question and Answer.”
 Please note that PIN numbers for the phone and the internet password are not interchangeable.
SSN: __ __ __ - __ __ - __ __ __ __
New Internet Password: __ __ __ __ __ __ __ __ __ __ __ __
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New User Name: __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __
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Step 1  Choose Your Contribution Amount
Enter the before-tax and/or after-tax percentage (%) you will
contribute.
IMPORTANT: On July 1st of every year, your contribute rate will
automatically increase by 1%, up to 6%, when it will then stop
increasing. You can opt out of this feature at any time by calling
the Participant Information Center at 1-800-854-0647.
Before tax contribution:
(between 1% and 25%)
After tax contribution:
(between 1% and 25%)
___________%
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___________%
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Step 2  Choose Your Investments
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The system will now prompt you to enter your investment choices. If you do not make any selections, 100% of your contributions will be
automatically invested in the MFS Conservative Asset Allocation Fund. You will first hear or see that 100% of your contributions will be
invested in the MFS Conservative Asset Allocation Fund. To change this you must select alternate percentages (While cycling through the
fund choices on the phone system you must enter or speak “0%“if you do not wish to select a fund.) Continue until you have made all of your
selections. You do not have to invest your contributions in every fund listed, but make sure your percentage amounts total 100.
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Asset Class:
Your Fund Choices:
The Federated Capital Preservation Fund
%
Stable Value
MFS Bond Fund
%
Intermediate-Term Bond
MFS Total Return Fund
%
Moderate Allocation
Fidelity Spartan 500 Index Fund
%
Large Cap Value
Alliance Bernstein Growth and Income Fund
%
Large Cap Value
Allianz NFJ Small Cap Value Fund
%
Small Cap Value
Wells Fargo Adv Common Stock Fund
%
Mid-Cap Growth
Massachusetts Investors Growth Stock Fund
%
Large Cap Growth
Ivy International Core Equity Fund
%
Foreign Large Cap Value
MFS Global Growth Fund
%
World Stock
MFS Conservative Allocation Fund
%
Conservative Allocation
MFS Moderate Allocation Fund
%
Moderate Allocation
MFS Growth Allocation Fund
%
Large Cap Blend
MFS Aggressive Growth Allocation Fund
%
Large Cap Blend
TOTAL
Total must equal
%
100%
For investment guidance, please call or email the plan’s Investment consultant:
Sharon Sager
1-800-308-3140
[email protected]
Step 3  Record Your Enrollment Confirmation
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You’re almost finished! The system will repeat all of your
contribution and investment choices and will give you another
chance to make changes if needed.
Note the Confirmation Number: ______________________
Congratulations! You’ve completed the important step in planning for your retirement future. In the future, you can call 1-800-854-0647 or
visit the Internet at www.ilc401k.com to track your account balances or request changes to your investments or contribution amounts.
UBS is not affiliated with MassMutual or any of its subsidiaries.
© 2014 Massachusetts Mutual Life Insurance Company, Springfield. MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual
Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) (of which Retirement Services is a
division) and its affiliated companies and sales representatives.
ILC-ENROLL-PORTAL 11/2014

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