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Eligibility and participation – when you can join your employer’s plan
Contributions to your retirement account - types and limits
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Participant-directed accounts – when you can choose your own investments
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Fees you can be charged
Automatic enrollment - when your employer deposits part of your salary into your retirement account unless you make a different election
Distributions - withdrawing money from your account
- When can a retirement plan distribute benefits?
- Tax on early distributions – before you reach age 59 ½
- Hardship distributions – if your plan allows, the rules to follow
- Loans – if your plan allows, the rules to follow
- Required minimum distributions (RMDs) - when and how much you're required to withdraw
Lifetime Income Calculator - Department of Labor tool to estimate monthly income from your account balance
Rollovers to and from other retirement plans
Notices (information) – from your employer
Vesting – in a retirement plan, means ownership
Retirement Savings Toolkit PDF – Department of Labor
Retirement saving tips for individuals
These articles contain basic information about planning for retirement and understanding your employer’s retirement plan.
- SIMPLE IRA Withdrawal and Transfer Rules
- IRA Year-End Reminders
- How to Take Responsibility for Your Retirement
- Maximize Your Salary Deferrals
- Matching Contributions Help You Save More for Retirement
- Mid-Year Retirement Savings Check-up
- Rollover to a Roth IRA or Designated Roth Account
- Roth Account in Your Retirement Plan
- 401(k) Plan Hardship Distributions - Consider the Consequences
- Plan Disclosure Documents: Understanding Your Employer’s Retirement Plan