- Introduction
- Employees of an Acquired Company
- Eligibility and Enrollment
- Continuous Service and Breaks in Service
- Plan Contributions and Contribution Limits
- Vesting
- Investment Options
-
Changing Your Investments
- Existing Account Balance
- How Often You Can Make Changes
- When Changes Take Effect
- Automatic Rebalancing
- Restrictions on Reallocation
- Restrictions on Transfers from the Stable Assets Fund to Other Investment Options
- Blackout Periods
- Future Contributions
- When Changes Take Effect
- Fund Performance
- Fees
- Daily Valuations
- Accessing Your Plan Account
-
Loans and Withdrawals
-
Loans
- If You Have an Outstanding Loan When You Leave the Company
- How Much You Can Borrow
- Applying for a Plan Loan
- Repaying a Loan
- Loan Default
- After-Tax, Rollover or In-Plan Roth Conversion Withdrawals
- Age 59½ Withdrawals
- Disability Withdrawals
- Hardship Withdrawals
- Domestic Abuse Withdrawals
- Qualified Disaster Recovery Distribution
- Reservist Withdrawals
- Heart Act Withdrawals
- Qualified Birth or Adoption Withdrawals
- In-Plan Roth Conversions
- Receiving Your Withdrawal or Loan
-
Loans
- Distribution Options Upon Termination of Employment
- In the Event of Your Death
- If You Are on a Leave of Absence
- Fidelity Customer Protection Guarantee
-
Other Important Plan Information
- If Your Job Status Changes or You Transfer
-
If You Formerly Participated in Another Plan
- Participants Formerly Employed by J.J. Kenny Co., Inc.
- Participants Formerly Employed by Grow Network/McGraw-Hill (“Grow Network”)
- Participants Formerly Employed by Capital IQ, Inc. (now S&P Global Market Intelligence Inc.) (“Capital”)
- Participants Formerly Employed by Vista Research, Inc. (“Vista”)
- Participants Formerly Employed by J.D. Powers & Associates (“JDPA”)
- Participants Formerly Employed by IHS Markit, Inc. or one of its Subsidiaries (“IHS Markit”)
- Participants Formerly Employed by TruSight Solutions LLC (“TruSight”)
- Top-Heavy Rules
- Nondiscrimination Rules
- Amendment and Termination
- Source of Benefits
- Restrictions on Payments
- Not a Contract of Employment
- When Participation Ends
- How Taxes Affect Your Benefit
- How to Apply for Benefits
- Claims and Appeal Procedures
- Other Important Plan Information
- Your Rights Under ERISA
- Your Responsibilities
Investment Options
Additional Rules and Information on the Investment Options
Limitations on Investments
As you make your investment elections, please note that investments in the Plan:
- Are not deposits or obligations of, or guaranteed by, the Company or the Plan;
- Are not bank deposits or guaranteed by the Federal Deposit Insurance Corporation, the Federal Reserve Bank or any other federal agency; and
- Involve investment risks, including the possible loss of principal. (Investment performance is disclosed in the Fund Fact Sheets and is reported net of fees and expenses. Results are calculated on an annualized basis for one-, three- and five-year periods.)
S&P Global or the Pension Investment Committee may add or delete investment options under the Plan or other investment alternatives at any time. In addition, the investment objectives, procedures and restrictions of the investment options are subject to change at any time.