401(k) Plan

Plumbers Retirement Savings Fund. (the '401(k) Plan')

Welcome to the 401(k) Plan

The 401(k) Plan offers you a tremendous opportunity to greatly enhance your retirement security and that of your family, but only if you take advantage of participating in the Plan. As a Participant, you are able to have deposited to an account in your name part of your pay, before taxes, and have that money invested as you direct without having to pay any taxes on the earnings or appreciation in value until you withdraw funds from your 401(k) account. The monies you invest are 100% vested and non-forfeitable.

It has been demonstrated that the longer a person has money invested in a tax deferred account, the greater is the total return on the funds invested. Therefore, carefully consider this opportunity if you are not now a Participant. If you are a Participant, take advantage of the various investment options.

This section will give you information about participating in the 401(k) Plan, options under the Plan, and some of the Plan’s features.

Contacts

The 401(k) Plan has retained the MassMutual Financial Group to handle all of our recordkeeping as well as the investments for the 401(k) Plan. You can contact MassMutual 24 hours a day by calling 1-800-743-5274 or on line at www.massmutual.com/retire.

For any additional questions or copies of the Summary Plan Description, please contact the Fund Office.

Important Note: This is an outline of the principal plan provisions of the Plumbers’ 401(k) Plan and it is not intended to completely describe the Plan provisions. In the event of any discrepancy between this outline and the Plan, the Plan Document shall govern. For further information, please review your Summary Plan Description or contact the 401k Fund Office .