Introduction
Employees of an Acquired Company
Eligibility and Enrollment
- Who Is Eligible
- Individuals Not Eligible
- Enrolling to Participate in the Plan
- Eligible Pay
- Naming a Beneficiary
- Changing Your Beneficiary
Continuous Service and Breaks in Service
- Continuous Service
- Counting Hours of Service
- Breaks in Service and Reemployment
Plan Contributions and Contribution Limits
- Your Before-Tax, Roth and After-Tax Contributions
  - How Before-Tax, Roth and After-Tax Contributions Differ
- Changing Your Contributions
- Catch-up Contributions
- How to Elect Catch-up Contributions
- Employer Matching Contributions
- Employer Non-Elective Contributions
- Profit Sharing Contributions
- Rollover Contributions
Vesting
Investment Options
- Investment Information
- The Managed Account Option
- The Importance of Diversification
- Default Investment Option
- Additional Rules and Information on the 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
Distribution Options Upon Termination of Employment
- Distribution Options
- How to Elect a Distribution
- Deferring Distribution
In the Event of Your Death
If You Are on a Leave of Absence
- If You Are on a Disability Leave
- If You Are on a Military Leave of Absence
  - How Your Plan Participation Is Affected
  - Loans While on Military Leave
- If You Are on a Parental Leave
- If You Are on Another Type of Approved Unpaid Leave of Absence
Fidelity Customer Protection Guarantee
- How the Guarantee Works
- What You Need to Do
- What If I Have a Claim?
- What if Fidelity denies my claim?
- What’s Not Covered
- For More Information
Other Important Plan Information
- If Your Job Status Changes or You Transfer
- If You Formerly Participated in Another Plan
- 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
- Your Contributions
- Tax on Distributions and Withdrawals
- Eligible Rollover Distributions
- Special Rules for Stock Distributions
- Additional Information
How to Apply for Benefits
Claims and Appeal Procedures
- Claims Procedure
- Appeals Procedure
- Extension of deadlines
- Judicial Review
Other Important Plan Information
- Administrative Information
Your Rights Under ERISA
- Receive Information About Your Plan and Benefits
- Prudent Actions by Plan Fiduciaries
- Enforce Your Rights
- Assistance with Your Questions
Your Responsibilities

Loans and Withdrawals

Loans

Qualified Disaster Recovery Distribution

Effective April 1, 2025, if you are affected by a federally declared disaster, you may request to receive a qualified disaster recovery distribution (“QDRD”) from your Plan Account. To be eligible for a QDRD, you must:

Have a principal residence in the qualified disaster area (as declared under the Robert T. Stafford Disaster Relief and Emergency Assistance Act) during the incident period of the qualified disaster (as specified by the Federal Emergency Management Agency (FEMA)); and
Have sustained an economic loss because of the disaster, including, but not limited to:
- loss of, damage to, or destruction of real or personal property from fire, flooding, looting, vandalism, theft, wind, or other cause(s);
- loss related to displacement from your home; or
- loss of livelihood due to temporary or permanent layoffs.

If eligible, you may receive a QDRD of up to $22,000 per disaster (across all qualified plans). Covered QDRDs are those made on or after the first day of the incident period and before the date that is 180 days after the later of (1) the first day of the incident period, or (2) the date of the disaster declaration. If you are affected by a federally declared disaster that occurred prior to April 1, 2025, and you are otherwise qualified to receive a QDRD, you are permitted to request a QDRD, but must do so prior to the expiration of this 180-day period.

The QDRD is not subject to the 10% early withdrawal penalty. Additionally, you can repay your Plan Account the amount of your QDRD within three years of receiving the distribution. Repayments are treated as qualified rollover contributions to the Plan.

If you are a former Kenny Plan participant, you are eligible to take a Qualified Disaster Recover Distribution, subject to your spouse’s written, notarized approval.