- 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
In the Event of Your Death
If you die before receiving payment of your entire Plan Account, your vested Plan Account will be paid to your Spouse or designated beneficiary in a lump sum payment as soon as practicable after your death.
If you formerly participated in the Kenny Plan, please refer to If You Formerly Participated in Another Plan - Participants Formerly Employed by J.J. Kenny Co. Inc.
Refer to Naming a Beneficiary for information about designating a beneficiary.