401(k)

Step 1 – Enroll Online Today – Go to netbenefits.com and click on ”Register Now” when logging in for the first time.  Follow the instructions to Enroll Today!  Call the Retirement Benefits Line if you need assistance at 1-800-294-4015.

Step 2 – Decide how much to invest and enter your contribution per pay period – 10%, is often a good start.

Step 3 – Select how you want to invest your contributions among the investment options available in the plan. Investment performance and fund descriptions are available online or over the phone.  If you are interested in additional information about investing, go to the NetBenefits^® Library to learn more.

*Remember to designate your beneficiary(ies) by accessing “Your Profile” on NetBenefits.*

Here are answers to some common questions about the key features, benefits, and rules of your plan. To learn more about your account log in to netbenefits.com.  To review the principal features of your plan refer to your Summary Plan Description Fidelity.

When can I enroll in the Plan?
You are eligible to participate in the Plan if:

• you complete 3 months of service
• you are at least 18 years old
• and you are not:
  • covered by a collective bargaining agreement
  • a nonresident alien who does not receive any U.S. source earned income from your Employer
  • Interns and Temporary Employees

The Plan does not cover employees who are residents of Puerto Rico.
Once you satisfy these requirements you will become eligible to participate in the Plan on January 1, April 1, July 1, or October 1.

How do I enroll?
To enroll in the Plan, log on to Fidelity NetBenefits^® at netbenefits.com, and click on “Register Now”.  Follow the easy instructions to enroll online.  Please refer to the Enroll Today section of this guide found on page #3.
If you do not select an investment mix of your own, your Employer has directed Fidelity to place your contributions and/ or loan repayments into a(n) T RowePrice lifecycle (target date) fund that most closely aligns with your projected retirement date based upon your birth year.  If you would prefer to select your own investments, please contact Fidelity by logging onto www.netbenefits.com and indicate your elections.

How much can I contribute?
Through automatic payroll deduction, you may contribute either a dollar amount or a percentage between 1% and 100% of your eligible pay.  If you select a specific dollar amount, it may not exceed the Plan percentage limits which are based on your compensation.  You may change your deferral dollar amount or percentage as applicable.  Any changes made would take effect at the beginning of each payroll period.
If you have not exceeded IRS dollar contribution limits and/or Plan percentage limits, you may be able to make an additional deferral contribution to the Plan.  With proper notification to your Plan Administrator, you could make an additional deferral contribution up to 100% of a bonus paid to you.

What are the IRS contribution limits?
If you are under age 50, the IRS contribution limit for 2014 is $17,500.

What “catch-up” contribution can I make?
If you are age 50 or older, or will reach age 50 during this taxable year and have reached the annual IRS Contribution limit or the Plan’s maximum contribution limit for the year, you may make an additional “catch-up” contribution.  The maximum annual catch-up contribution is $5,500.  In each subsequent calendar year, catch-up contribution limits will be subject to cost of living adjustments (COLAs) in $500 increments.
Does the Company contribute to my account? Your employer will make Safe Harbor matching contributions to your account based on your contributions. The amount will equal 100% of the first 3% of compensation you contribute to the Plan and 50% of the next 2% of compensation you contribute to the Plan.
To be eligible for matching contributions you are required to:

• make employee deferral contributions

The Employer may make discretionary profit sharing contributions, if any, on your behalf in an amount to be determined by the Board of Directors.
To be eligible for discretionary profit sharing contributions you are required to:

• work a minimum of 1000 hours and be employed by the Employer as of the last day of the Plan Year

When am I Vested?
The term “vesting” refers to the portion of your account balance that you are entitled to under the plan’s rules. You are always 100% vested in your:

• employee deferral account(s)
• rollover account
• Safe Harbor matching contributions
• and any earnings thereon.

Can I take a loan from my account?
Although your plan account is intended for your retirement, you may borrow from your account. You may take a loan by logging into your Fidelity NetBenefits account.

Can I make withdrawals from my account?
Withdrawals from the Plan are generally permitted in the event of termination of employment, retirement, disability, or death.  Your Plan may allow for additional types of withdrawals.  Please refer to your Summary Plan Description for further details.  You may also be eligible for a withdrawal in the case of a severe financial hardship as defined by your Plan.
To learn more about and/or to request a withdrawal, log in to Fidelity NetBenefits at netbenefits.com or call the Retirement Benefits Line at 800-294-4015.

Can I move money from another retirement plan into my account in Apex Capital Corp 401(k) Plan?
You may be permitted to roll over assets into this Plan from a previous employer’s retirement Plan or an IRA.  Once you have confirmed that your Employer will accept your rollover contribution, follow these easy steps to complete a rollover into the Plan:

• Contact your prior Plan provider to request a rollover distribution
• Rollover check issued should be made payable to Fidelity Investments Institutional Operations Company (FIIOC) for the benefit of (FBO): your name and sent to you
• Complete the rollover contribution form
• Return both the rollover contribution form and the check from your prior Plan to either your current Plan Administrator or directly to Fidelity at the address provided on the form
• The rollover of after-tax employee contributions will not be accepted by the Plan

How do I access my account?
You can access your account virtually 24/7 through NetBenefits.  Log in to netbenefits.com and you will have access to your account information and retirement planning tools. You also can call the Retirement Benefits Line at 1-800-294-4015 between 8:30 a.m. and 8:30 p.m. ET on any business day* for more information on your account.
*available on days when the NYSE is open.

How do I change my investment options?
You may request investment changes (exchanges) or redirect future contributions among investment options available to you virtually 24/7 through Fidelity at netbenefits.com or by calling the Retirements Benefits Line at 1-800-294-4015 any business day*.
*available on days when the NYSE is open.

How do I manage my account once I am enrolled in the Plan?
NetBenefits is the online tool that puts you in the driver’s seat in saving for retirement. You can manage your account, track your savings progress and keep moving toward your goals right from your desktop. Log in to netbenefits.com to get started. You can discover a wealth of resources to help you achieve your savings goals.

• Create an online statement
• Go to the NetBenefits^® Library to set your financial goals for retirement and create a strategy to get there
•  Attend online workshops