401(k) Enrollment Booklet - Unity Health System
401(k) Enrollment Booklet - Unity Health System
401(k) Enrollment Booklet - Unity Health System
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<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
Everything you need<br />
to create your own<br />
Plan of a Lifetime<br />
Highlights of your plan<br />
Decide how much to save<br />
Choose an investment<br />
solution
Welcome to Your Plan of a Lifetime!<br />
Whether your retirement is five or fifty years away, <strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan offers a powerful<br />
way to enhance your long-term financial well-being. We encourage you to invest in yourself and your<br />
future by participating in this plan through Diversified.<br />
Diversified is a firm dedicated exclusively to providing retirement savings plans. We focus all our<br />
resources on giving you the planning tools and guidance you need to achieve your retirement goals.<br />
From the day you're hired through the years you're retired, this Plan of a Lifetime program will support<br />
you through each stage of the retirement planning process. Whether you're joining a retirement plan for<br />
the first time, already participating in the plan or soon approaching retirement, Diversified will be with<br />
you every step of the way.<br />
Please read through this kit so you can better understand this valuable program. And be sure to enroll as<br />
soon as possible so you can begin maximizing this benefit!<br />
Sincerely,<br />
Pete Kunkel<br />
President and CEO<br />
Diversified
Quick Start Guide<br />
Already<br />
Enrolled<br />
This is a perfect time to review your account to<br />
determine if you are contributing enough and<br />
have an investment strategy that meets your<br />
retirement goals.<br />
Have Questions Call Diversified at<br />
800-755-5801. Diversified's counselors can help you<br />
create a retirement strategy, determine if you are<br />
saving enough, and review your investing solutions.<br />
Sign up for e-Delivery. It's fast. It's easy. It helps<br />
the environment. Sign up for e-delivery of certain<br />
documents by logging on to Diversified online at<br />
divinvest.com.<br />
Consolidate your accounts. Do you have other<br />
retirement plan assets in a former employer's plan<br />
If so, consider streamlining your finances by rolling<br />
that money into your new plan. Simply complete the<br />
form that is provided.<br />
Not Enrolled<br />
Enroll today!<br />
Via the Web. Visit divinvest.com, and follow the<br />
instructions for first-time users to enroll.<br />
Over the phone. Call Diversified at 888-676-5512.<br />
Diversified's counselors can help you create a retirement<br />
strategy, determine how much to save, and decide on an<br />
appropriate investing solution.<br />
Designate Your<br />
Beneficiary<br />
It is very important that you designate a beneficiary or<br />
beneficiaries for your retirement account, so that your<br />
assets can be distributed according to your wishes upon<br />
your death. Simply complete the Beneficiary Designation<br />
form provided, and follow the instructions on the form for<br />
mailing.<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
1<br />
1
Highlights<br />
of your plan<br />
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan is a valuable employee benefit<br />
and one of the most powerful ways to build your retirement<br />
savings.<br />
Take a few minutes now to read through these plan highlights<br />
and learn more about all the features and benefits your plan<br />
includes. You'll find more about when you can join, how much<br />
you can contribute, when you can make changes, and how you<br />
can access your savings.<br />
Keep in mind this is simply a quick overview of your benefits.<br />
For complete details or plan updates, please refer to your<br />
Summary Plan Description (SPD).<br />
2 Questions Call 888-676-5512 or visit divinvest.com<br />
2
0<br />
Eligibility<br />
You are immediately eligible to participate in the plan. You may join the plan on the first day of<br />
the next payroll period.<br />
However, if you are in one of the following group(s), you are not eligible to participate in the<br />
plan:<br />
• Employees covered under a collective bargaining agreement that does not provide for<br />
participation in the plan<br />
Your<br />
Contributions<br />
You may choose to make pre-tax contributions from 1% up to 100% of your pay.<br />
• You may increase, decrease or stop your contributions at any time.<br />
For your deferral amount, you can elect a percentage per pay period.<br />
Your plan offers SaveXpress, a feature that allows you to elect to have your savings amount<br />
automatically increased each year. You can sign up for SaveXpress on Diversified Direct Online<br />
at www.divinvest.com.<br />
An annual IRS dollar limit of $17,000 applies for 2012. This limit is indexed annually by the<br />
IRS.<br />
If you are age 50 or older (or you reach age 50 during the current calendar year), you can make<br />
additional catch-up contributions up to $5,500 in 2012. This limit is indexed annually by the<br />
IRS.<br />
If you have an existing retirement plan account with a prior employer, you may roll over that<br />
account into this plan at any time. Consolidating your retirement accounts makes it easier for<br />
you to make sure your investment strategy is on track for meeting your retirement goals. To<br />
initiate a rollover of a retirement account with a prior employer, complete the form.<br />
Employer<br />
Contributions<br />
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> provides a matching contribution of 25% of the first 4% deferred up to a<br />
maximum of 1% of your pay.<br />
Vesting<br />
Vesting refers to your "ownership" of your account. You are always 100% vested in your<br />
contributions to this plan.<br />
You are 100% vested in your employer contribution(s) after 3 years of service.<br />
Loans<br />
You may borrow from the plan, using your account as security (conditions and restrictions may<br />
apply).<br />
Minimum loan amount<br />
$1,000<br />
Maximum loan amount<br />
50% of your vested account balance, up to $50,000<br />
General loan interest rate<br />
Prime interest rate (as stated in the Wall Street Journal) plus 1%<br />
Home loan interest rate<br />
Prime interest rate (as stated in the Wall Street Journal) plus 1%<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
3<br />
3
Loans<br />
(continued)<br />
Maximum general loan term<br />
5 years<br />
Maximum home loan term<br />
10 years<br />
General loan fee<br />
A one-time set-up fee of $75 per loan will be deducted from your account<br />
Home loan fee<br />
A one-time set-up fee of $75 per loan will be deducted from your account<br />
Maximum number of outstanding loans<br />
2<br />
Withdrawals<br />
You may withdraw vested funds from your plan account in these events (conditions and<br />
restrictions may apply as defined in the plan):<br />
• Retirement at plan's normal retirement age of 65<br />
• Termination of employment<br />
• Attainment of age 59.5<br />
• Financial hardship as defined in the plan<br />
• Disability<br />
• Death<br />
Investment<br />
Direction<br />
You decide how your account will be invested among the available investment options. You may<br />
change your investment allocation 99 times per plan year.<br />
Transfers among investment options may be made at any time and may be subject to certain<br />
restrictions.The available investment options are presented below in groups to illustrate the<br />
applicable transfer restrictions.<br />
Investment Group A: Guaranteed Pooled (TFLIC Guaranteed Pooled Fund )<br />
Investment Group B: PCRA (Personal Choice Retirement Account )<br />
Transamerica Partners Institutional Money Market<br />
Investment Group C: All other funds<br />
Monies in a Group A investment option cannot be transferred to a Group B investment option.<br />
Monies transferred out of a Group A to a Group C fund can be transferred back at any time by<br />
calling 800-755-5801.<br />
Additional transfer conditions and restrictions may apply. Certain investment options may<br />
impose trading restrictions and/or redemption fees as a result of frequent trading activity.<br />
Please contact Diversified for more information.<br />
spacer table<br />
4 Questions Call 888-676-5512 or visit divinvest.com<br />
4
Expenses<br />
A plan service credit will be added to your account based on your account balance in the<br />
investment options as shown below. These are annual percentages, however crediting frequency<br />
may differ. Please note that this lowers the effective annual expense ratios, and increases the<br />
realized investment performance, shown in the Fund Profiles.<br />
Fund Name<br />
Plan Service Credit<br />
TFLIC Guaranteed Pooled Fund 0.200%<br />
Beneficiary<br />
Designation<br />
Summary Plan<br />
Description<br />
It is very important that you designate a beneficiary for your retirement account, so that your<br />
assets can be distributed according to your wishes upon your death. Please complete the<br />
Beneficiary Designation form, and follow the instructions on the form for mailing.<br />
For more information about any of the plan provisions including any conditions or<br />
restrictions that may apply, please refer to the Summary Plan Description or call Diversified<br />
at 888-676-5512. These plan highlights represent only an overview of plan provisions and<br />
do not constitute a legally binding document.<br />
404(c) Notice<br />
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan is intended to be a 404(c) plan as described in detail in<br />
Section 404(c) (ERISA) and final regulation 2550.404c-1. This means that you have the<br />
flexibility (and responsibility) to choose among the options provided under the plan in a way<br />
that best meets your objectives. In general, by providing you with this ability and a variety<br />
of investments, your employer and plan administrator are not liable for any losses that<br />
occur as a direct result of investment in the available options as directed by you or your<br />
beneficiary.<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
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5
In addition to the information contained in this booklet, the following information can be<br />
obtained upon request:<br />
• A list of the assets comprising the portfolio of each investment option which will<br />
constitute "plan assets" under Reg. 2510.3-101, and the value of each such asset and,<br />
with respect to any fixed fund, the rate of return and its maturity date.<br />
• Information regarding the value of shares or units in the investment options, as well as<br />
the past and current investment performance of each option, net of expenses. (Please<br />
see your account statement.)<br />
• Information regarding the value of shares or units held in your account. (Please see your<br />
account statement.)<br />
To obtain any of the above information, please contact:<br />
Attn: Anne Fagioli<br />
Plan Administrator<br />
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong><br />
89 Genesee Street<br />
Rochester, NY 14611<br />
Phone: 585-368-3528<br />
Fax: 585-368-3980<br />
6 Questions Call 888-676-5512 or visit divinvest.com<br />
6
Choose an Investment<br />
Solution<br />
Your Plan of a Lifetime makes it easy to choose an investment strategy — and easy to maintain or<br />
adjust your strategy over time.<br />
Choose a one-step solution<br />
Make it automatic with PortfolioXpress SM<br />
If your financial picture is relatively<br />
straightforward, consider PortfolioXpress. This<br />
service establishes an investment mix based on the<br />
retirement year you select. Then it regularly<br />
rebalances your account to a more conservative<br />
mix over time. It's a solution for people who are<br />
saving for retirement and want automatic<br />
diversification. You can subscribe to<br />
PortfolioXpress at divinvest.com.<br />
PortfolioXpress presents a series of asset<br />
allocation models up to and through a designated<br />
retirement year. You are solely responsible for<br />
choosing the retirement year. By subscribing to<br />
the service, you agree to each of the asset<br />
allocation mixes and automated rebalancing<br />
transactions that will take place over time within<br />
your account as you approach the selected<br />
retirement year. Retirement date portfolios are<br />
subject to the same risks as the underlying asset<br />
classes in which they invest. The higher the<br />
Portfolio's allocation to stocks, the greater the risk.<br />
The principal value of the portfolio is not<br />
guaranteed at any time, including at and after the<br />
target date.<br />
Choose a fund that corresponds to your<br />
retirement date or time horizon<br />
Select a target date fund that corresponds to your<br />
expected retirement year. Target Date Funds<br />
automatically move to a more conservative<br />
investment mix as they approach a target year. By<br />
investing in a combination of asset classes, these<br />
funds are designed to be automatically diversified.<br />
· BlackRock LifePath 2020 Investor A<br />
· BlackRock LifePath 2030 Investor A<br />
· BlackRock LifePath 2040 Investor A<br />
Target date funds are subject to the same risks as<br />
the underlying asset classes in which they invest.<br />
The fund's asset allocation becomes more<br />
conservative over time, meaning that the<br />
percentage of assets allocated to stocks will<br />
decrease while the percentage of assets allocated<br />
to bonds will increase. The higher the fund's<br />
allocation is to stocks, the greater the risk. The<br />
principal value of the funds is not guaranteed at<br />
any time, including at and after the target date.<br />
Do it yourself<br />
Create your own investing strategy<br />
You can also create your own investment mix<br />
using the funds available in your plan. These funds<br />
offer flexibility for both new and experienced<br />
investors. With this approach, you can develop an<br />
investing strategy that is tailored just for you.<br />
To supplement the investment funds offered under<br />
your plan, you may choose to open a Schwab<br />
Personal Choice Retirement Account® (PCRA).<br />
PCRA is a self-directed investment option that<br />
allows you to direct purchases and sales within<br />
your account, investment options other than those<br />
offered under the plan. By establishing a PCRA,<br />
you assume responsibility for controlling your<br />
investments. For more information on establishing<br />
and maintaining a PCRA, please call Diversified at<br />
800-755-5801.<br />
· BlackRock LifePath Retirement Investor A<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
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7
See the list of investment funds available through<br />
your retirement plan—as well as some sample<br />
investment mixes. These investment mixes are<br />
offered to help you develop your own investment<br />
strategy, based on your time horizon for investing.<br />
Each mix shows a sample investment allocation<br />
among stocks and bonds, not investment return.<br />
Put your retirement on the right<br />
track with RetireTrack SM<br />
You may also use RetireTrack, an<br />
online tool designed to help you analyze<br />
your investment allocation and model<br />
alternative strategies. Log onto your<br />
account at divinvest.com, go to<br />
"Retirement Planning", then click on<br />
"RetireTrack."<br />
Important: The projections or other<br />
information generated by<br />
RetireTrack regarding the likelihood<br />
of various investment outcomes are<br />
hypothetical in nature, do not reflect<br />
actual investment results and are not<br />
guarantees of future results. Results<br />
derived from the RetireTrack tool<br />
may vary with each use and over<br />
time. Please visit RetireTrack for more<br />
information regarding the criteria and<br />
methodology used, the tool's limitations<br />
and key assumptions and other<br />
important information.<br />
8 Questions Call 888-676-5512 or visit divinvest.com<br />
8
Sample Investment Mixes<br />
Use My Mix column to create your own investment mix.<br />
My Mix<br />
30+ Years to<br />
Retirement<br />
20 Years to<br />
Retirement<br />
10 Years to<br />
Retirement<br />
At Retirement<br />
10 Years into<br />
Retirement<br />
Bonds<br />
Short Bonds/Stable/MMkt<br />
Transamerica Partners Institutional Money Market % 0% 0% 1% 2% 3%<br />
TFLIC Guaranteed Pooled Fund % 0% 0% 2% 6% 8%<br />
Interm./Long-Term Bonds<br />
PIMCO Total Return Admin % 2% 9% 17% 23% 28%<br />
Transamerica Partners Institutional Inflation-Protected<br />
Securities<br />
% 1% 4% 8% 11% 13%<br />
Aggressive Bonds<br />
MainStay High Yield Corporate Bond I % 2% 4% 5% 6% 8%<br />
Total Bonds 5% 17% 33% 48% 60%<br />
Stocks<br />
Large-Cap Stocks<br />
MFS Value R3 % 14% 13% 11% 9% 7%<br />
American Funds Fundamental Invs R4 % 7% 6% 5% 4% 3%<br />
Transamerica Partners Institutional Stock Index % 8% 7% 6% 5% 4%<br />
American Funds Growth Fund of Amer R4 % 14% 13% 11% 9% 7%<br />
Small/Mid-Cap Stocks<br />
T. Rowe Price Mid-Cap Value % 4% 4% 3% 2% 1%<br />
Vanguard Mid Capitalization Index Signal % 4% 3% 2% 2% 1%<br />
BlackRock US Opportunities Instl % 4% 4% 3% 2% 2%<br />
Columbia Small Cap Value I Z % 4% 4% 3% 2% 2%<br />
Keeley Small Cap Value A % 5% 3% 3% 2% 2%<br />
Invesco Small Cap Growth I % 5% 4% 3% 2% 2%<br />
International Stocks<br />
Oakmark International I % 20% 17% 13% 10% 7%<br />
Oppenheimer Developing Markets Y % 6% 5% 4% 3% 2%<br />
Total Stocks 95% 83% 67% 52% 40%<br />
Multi-Asset/Other<br />
Multi-Asset/Other Funds<br />
Personal Choice Retirement Account<br />
BlackRock LifePath Retirement Investor A<br />
BlackRock LifePath 2020 Investor A<br />
BlackRock LifePath 2030 Investor A<br />
BlackRock LifePath 2040 Investor A<br />
Total Multi-Asset/Other<br />
Total 100%<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
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All registered funds and group annuity contracts are available by prospectus only. A prospectus may be<br />
obtained by contacting Diversified Retirement Corporation (Diversified) at 800-755-5801. The<br />
prospectus contains additional information about the investment option, including the investment<br />
objectives, risks, charges and other expenses. Investors should consider all such information carefully<br />
before investing. Please read the prospectus carefully before making investment choices.<br />
Diversified Investors Securities Corp. (DISC), 440 Mamaroneck Avenue, Harrison, NY 10528,<br />
distributes securities products. Any fund offered under the plan is distributed by that particular fund's<br />
associated fund family and its affiliated broker-dealer or other broker-dealers having effective selling<br />
agreements such as Diversified Investors Securities Corp. (DISC). If the Transamerica Funds are<br />
offered under the plan, the Transamerica funds are distributed by Transamerica Capital, Inc. (TCI) and<br />
are advised by Transamerica Asset Management (TAM). If the Fixed, Stable or Guaranteed Pooled<br />
Fund is offered under the plan, it is made available under a group annuity contract issued by<br />
Transamerica Financial Life Insurance Company (TFLIC), 440 Mamaroneck Avenue, Harrison, NY<br />
10528. If the Stable Pooled Fund is offered under the plan, it is made available through the Diversified<br />
Investment Advisors Collective Trust, and it invests directly in the Wells Fargo Stable Return Fund, a<br />
collective trust fund of Wells Fargo & Company. If SecurePath for Life is offered under the plan, it is<br />
made available through group variable annuity contracts issued by Transamerica Life Insurance<br />
Company (TLIC), 4333 Edgewood Road, NE, Cedar Rapids, IA 52499, which is licensed and offers<br />
products in all states except New York, or TFLIC, which is licensed in New York and offers products in<br />
all 50 states. Guarantees under the Fixed, Stable or Guaranteed Pooled Fund, or SecurePath for Life<br />
are supported by the insurer's general account and are subject to the firm's claims-paying ability.<br />
Diversified, TAM, TCI, DISC, TLIC and TFLIC are affiliated companies.<br />
Your plan may not offer funds representative of all the styles considered in the construction of the<br />
sample investment mixes. If applicable, SecurePath for Life and any funds listed in the<br />
Multi-Asset/Other category do not generally represent the characteristics of a given asset sub-class and<br />
so have not been incorporated into any of the sample investment mixes. Investors who understand these<br />
options and any inherent risks may wish to allocate a portion of their accounts accordingly.<br />
All funds were assigned to asset classes based on information provided by independent firms that track<br />
the investment fund industry, or from the fund family. Although information on funds is gathered from<br />
sources believed to be reliable, Diversified does not guarantee the completeness, accuracy, timeliness or<br />
reliability of the data, which is subject to change at any time. The information provided for the funds is<br />
for informational purposes only and should not be construed as an endorsement or recommendation by<br />
Diversified nor be the basis of any investment decision. Retirement date funds are subject to the same<br />
risks as the underlying asset classes in which they invest. The fund's asset allocation becomes more<br />
conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the<br />
percentage of assets allocated to bonds will increase. The higher the fund's allocation is to stocks, the<br />
greater the risk. The principal value of the funds is not guaranteed at any time, including at or after the<br />
target date.<br />
Diversified or its affiliates may receive remuneration from the fund family or its service provider for<br />
providing certain record-keeping or other administrative services.<br />
10 Questions Call 888-676-5512 or visit divinvest.com<br />
10
Fund Profiles Glossary<br />
The Fund Profiles that follow outline more information on<br />
the investment style, objective, strategy and risk<br />
characteristics of each fund. The particular investment risks<br />
applicable to a fund are identified in its Profile under<br />
"Risks." Each of the terms used under "Risks" is explained<br />
below in this Glossary. Of course, an investment in a fund<br />
may be subject to other types of risk, and it is possible that<br />
you could lose money by investing in a fund.<br />
Asset Allocation Fund Risk: Asset allocation funds are<br />
subject to the risks of the underlying funds in which they<br />
invest. To the extent the fund invests more of its assets in<br />
stock investments, and in particular, small-cap stocks and/or<br />
foreign stocks, it will be subject to greater risk than a fund<br />
investing more of its assets in bond funds. The Asset<br />
Allocation Funds bear investment management fees in<br />
addition to the investment management fees and expenses of<br />
the underlying funds in which they invest. The principal<br />
value of the fund is not guaranteed at any time.<br />
Bond Risk: Bonds and bond funds are subject to interest<br />
rate risk, credit risk, and inflation risk. Interest rate risk<br />
means that the value of bonds and bond funds generally falls<br />
when interest rates rise, causing an investor to lose money.<br />
US Government Bond Risk: Any US Government<br />
guarantees of the securities held in a fund only pertain to<br />
those securities and not to the fund or its yield. High Yield<br />
Bond Risk: Lower rated, high-yield corporate debt<br />
securities represent a much greater risk of default and tend<br />
to be more volatile than higher rated or investment grade<br />
bonds.Effective Duration: A measure of a bond portfolio's<br />
sensitivity to changes in interest rates.<br />
Convertible Risk: Convertible securities have the<br />
characteristics of both fixed income and equity investments<br />
and may be affected by changes in interest rates, credit risk,<br />
and changes in the value of underlying common stock.<br />
Derivatives Risk: Investments in derivatives may subject<br />
the fund to greater volatility than investments in traditional<br />
securities.<br />
Equity Risk: Equity funds invest in equity securities, which<br />
include common stock, preferred stock and convertible<br />
securities. Because such securities represent ownership in a<br />
corporation, they tend to be more volatile than fixed income<br />
or debt securities, which do not represent ownership.<br />
Foreign Risk: International securities and markets pose<br />
different and possibly greater risks than those customarily<br />
associated with domestic securities, including currency<br />
fluctuations and political instability.<br />
Growth Risk: Growth stocks may be especially volatile,<br />
because their prices are largely based on the market's<br />
expectation of future earnings.<br />
Leveraged Company Risk: Investments in the stocks of<br />
leveraged companies may be subject to additional risk, as<br />
leverage can magnify the impact of adverse issuer, political,<br />
regulatory, market or economic developments on a<br />
company.<br />
Money Market Risk: An investment in a money market<br />
fund is not insured or guaranteed by the Federal Deposit<br />
Insurance Corporation or any other government agency.<br />
Although a money market fund seeks to preserve the value<br />
of your investment, it is possible to lose money by investing<br />
in this type of fund.<br />
Mortgage Securtities Risk: Mortgage-backed securities are<br />
subject to prepayment risk and may be sensitive to changes<br />
in prevailing interest rates. Non-Diversified Risk: A fund<br />
classified as a non-diversified investment company may be<br />
subject to greater market fluctuation. Real Estate Risk:Real<br />
estate investing is very sensitive to interest rates and<br />
volatility may increase in a changing rate environment.<br />
Portfolio Price/ Earnings Ratio: Relates to the price of the<br />
stock to the prior 12 month per-share earnings of the<br />
company.<br />
Sector Risk: To the extent a fund concentrates in a<br />
particular sector, its performance will be closely tied to the<br />
performance of that sector. As a result, the fund may be<br />
more susceptible to factors affecting that sector and more<br />
volatile than funds that invest in many different<br />
sectors.Small/Mid-Cap Risk: The securities of small and<br />
medium-sized companies, because of the issuers' lower<br />
market capitalization, may be more volatile than those of<br />
large-sized companies.<br />
Target/Retirement Date Fund Risk:Target date funds are<br />
subject to the same risks as the underlying asset classes in<br />
which they invest. The fund's asset allocation becomes more<br />
conservative over time, meaning that the percentage of<br />
assets allocated to stocks will decrease while the percentage<br />
of assets allocated to bonds will increase. The higher the<br />
fund's allocation is to stocks, the greater the risk. The<br />
principal value of the funds is not guaranteed at any time,<br />
including at and after the target date.<br />
Value Risk: Value-based investments are subject to the risk<br />
that the broad market may not recognize their intrinsic<br />
values.<br />
Information relating to non-proprietary funds is being<br />
provided as a service by Diversified Retirement Corporation<br />
to plans whose participants may invest in these funds, and<br />
may differ from information provided by other sources. The<br />
information contained herein: (1) is proprietary to<br />
Morningstar and/or other content providers furnishing the<br />
information; (2) may not be copied or distributed; and (3) is<br />
not warranted to be accurate, complete or timely. Neither<br />
Morningstar nor any other applicable content provider is<br />
responsible for any damages or losses arising from any use<br />
of this information.(PT-9212 (2/11))<br />
Questions Call 888-676-5512 or visit divinvest.com<br />
11<br />
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<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
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<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
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<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
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TT080179 <br />
00001
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
<br />
TT080179 <br />
00001
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
<br />
<br />
<br />
TT080179 00001
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
<br />
<br />
<br />
TT080179 00001
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
<br />
<br />
<br />
TT080179 00001
<strong>Unity</strong> <strong>Health</strong> <strong>System</strong> <strong>401</strong>(k) Plan<br />
<br />
<br />
<br />
TT080179 00001
Maximize your Plan of a Lifetime<br />
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Enroll today and maximize the employer match. Log on<br />
to Diversified Online at divinvest.com or call<br />
888-676-5512.<br />
Designate your beneficiary.<br />
Catch up on your contributions (must be age 50 or older).<br />
Reduce your clutter. Sign up for e-documents today at<br />
divinvest.com.<br />
Sign up for SaveXpress. Go to "Transactions" and click<br />
on "Deferrals."<br />
Rebalance your account automatically by using Auto<br />
Rebalance. Go to "Transactions" and click on "Auto<br />
Rebalance."<br />
Use RetireTrack. Go to "Retirement Planning" and click<br />
on "RetireTrack."<br />
For retirement counseling, just call 800-755-5801 or visit<br />
Diversified Online.<br />
First-time online users<br />
· Go to divinvest.com.<br />
· Follow the instructions<br />
First-time callers<br />
· Call 888-676-5512.<br />
As an active participant, you can access your retirement<br />
account 24/7 by logging on to divinvest.com or calling<br />
Diversified toll-free at 800-755-5801.<br />
You can also speak with a Contact Center Representative for<br />
enrollment assistance, investment guidance and retirement<br />
planning support. Representatives are available Monday<br />
through Friday, 8am-9pm EST.