Your investment options and Plan provisions will be the same . Your elections, contributions, investments and any loan or distribution arrangements automatically will transfer effective November 6, 2015.
You will have limited access to your account beginning at 3 p.m. Central Time November 5, 2015, until the week of November 15, 2015 (see the fine print for details). This blackout period allows for the transfer of the Plan’s administrative records from Schwab to Empower. Please evaluate your financial circumstances and the appropriateness of your current investments in light of this temporary restriction. If you have one or more PCRA accounts, you may experience a blackout between November 5 and November 10 while transition preparations are underway.
As part of the move to Empower, your investments will transfer in-kind. If you would like your investments to transfer differently, you can change your current fund balances by contacting Schwab Retirement Plan Services Company prior to 3 p.m. Central Time November 5, 2015. You also can make changes after the transition is complete and the Plan is live on the Empower platform.
| Schwab Fund Name | Ticker | Empower Fund Name | ||
| Cash Alternatives | Cash Alternatives | |||
| Wells Fargo Stable Return Fund | N/A | Wells Fargo Stable Value Fund W | N/A | |
| Federated Prime Cash Obligs Instl | PCOXX | Federated Prime Cash Obligs Instl |
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| Bonds | Bonds | |||
| Vanguard Inflation-Protected Securities Fund I | VIPIX | Vanguard Inflation Protected Securities Instl | VIPIX | |
| PIMCO Emerging Local Bond Instl | PELBX | PIMCO Emerging Local Bond Instl | PELBX | |
| Loomis Sayles Core Plus Bond Y | NERYX | Loomis Sayles Core Plus Bond Y | NERYX | |
| Stocks | Stocks | |||
| PIMCO All Asset All Authority Inst | PAUIX | PIMCO All Asset All Authority Inst | PAUIX | |
| PIMCO Commodity Real Ret Strat Instl | PCRIX | PIMCO Commodity Real Ret Strat Instl | PCRIX | |
| BlackRock Global Allocation Instl | MALOX | BlackRock Global Allocation Instl | MALOX | |
| DFA Global Real Estate Securities I | DFGEX | DFA Global Real Estate Securities I | DFGEX | |
| Waddell & Reed Asset Strategy Y | WYASX | Waddell & Reed Adv Asset Strategy Y | WYASX | |
| Vanguard Institutional Index Instl Pl | VIIIX | Vanguard Institutional Index Instl Pl | VIIIX | |
| Vanguard Small Cap Growth Index I | VSGIX | Vanguard Small Cap Growth Index I | VSGIX | |
| American Funds EuroPacific Gr R6 | RERGX | American Funds EuroPacific Gr R6 | RERGX | |
| DFA International Small Cap Value I | DISVX | DFA International Small Cap Value I | DISVX | |
| DFA Emerging Markets Value I | DFEVX | DFA Emerging Markets Value I | DFEVX | |
| Fundamental US Large Company | N/A | BlackRock Fundamental US Large Company Fund | N/A | |
| Schwab Fundamental US Small Company Index | SFSNX | Schwab Fundamental US Small Company Index | SFSNX | |
| Self-directed Brokerage Account | Self-directed Brokerage Account | |||
| PCRA Brokerage | N/A | PCRA Brokerage | N/A |
Your future fund elections, including a Pilot Lifetime Model election, will also transfer to Empower.
Please note: If you currently have a future fund election to a Pilot Lifetime Model AND a PCRA, your future fund election will be directed 100% to the Pilot Lifetime Model. If you are a Modeler and want to fund your PCRA at Empower, you will need to transfer monies from a core fund to a PCRA Brokerage Cash Account.
For more information about the Plan’s investments, including fees and performance, please see the Notice of Investment Returns & Fee Comparison.
