Registering for online access
How do I register for online access?
To register select the First Time User link to get started. You will be guided through a short series of questions.
By registering for online access, you can manage your employer-sponsored retirement plan anytime. You can also find out if you are on track to meet your retirement goals, view your balance, and make changes to your contributions and investments (if your plan offers these changes online). You can also take advantage of a variety of retirement planning tools such as calculators and online seminars.
What is the difference between registering and enrolling?
Registration is the process you complete to access and manage your retirement plan account online.
Enrollment is the process of signing up to participate in your employer-sponsored retirement plan. After you register your account for online access, if you are not already enrolled in your employer-sponsored retirement plan, you can follow the enrollment steps on the website to join the plan.
Enrolling in your employer-sponsored retirement plan
When can I enroll in my employer-sponsored retirement plan?
Your employer determines when you are eligible to start saving in your retirement plan. After becoming eligible, you can enroll at any time. To determine if you are eligible to enroll, review your enrollment materials provided or contact your employer’s benefits representative.
How can I enroll in my employer-sponsored retirement plan?
Sign on to your account and then follow the enrollment steps on the website to start saving. If you are not already registered, you must first register for online access. See How do I register for online access?
I don't have the enrollment materials originally provided to me. What should I do?
If your plan offers you the option to enroll online, sign on to your retirement plan account and select the Enroll tab. If this is your first time accessing your account online, select First Time User on the homepage to register for online access. For additional information about your plan, contact your employer's benefits representative.
Managing your retirement plan account
How do I change the amount I'm contributing to my retirement plan account?
If your plan offers you the option to make changes online, you can change the amount you are contributing to your employer-sponsored retirement plan. Simply sign on to your retirement plan account, select the Actions & Investments tab, then Payroll Contributions.
How do I change my retirement plan account investments?
If your plan offers you the option to make changes online, sign on to your retirement plan account, select the Actions & Investments tab, then Change Investments and Elections.
How do I learn more about the investments offered in my employer-sponsored retirement plan?
To find additional information about the investments offered in your employer-sponsored retirement plan, sign on to your retirement plan account, select the Actions & Investments tab, then select Research Investments. On the Research Investments page you can view:
- Investments available in your plan
- Investment performance
- Prospectuses and fact sheets
Take our Risk Tolerance Quiz to help you determine your investment style.
Considerations for your retirement plan
What if I hold company stock in my retirement plan?
If you have company stock in your plan, there are a few things to consider:
When you roll over to an IRA, all of your investments are typically sold and your funds are transferred as a cash position. If you want to keep your shares of company stock, we can help you transfer them into your new IRA.
If your company stock shares have grown in value since they were purchased, you may want to take advantage of a special tax treatment called Net Unrealized Appreciation (NUA). This can be complicated. If you have highly appreciated company stock within your plan, you may want to give us a call or talk to your tax advisor to review your options before you make any decision. To discuss your options, please call the Retirement Service Center at 1-800-SAVE-123 (1-800-728-3123). Representatives are available Monday - Friday, 7:00 am - 11:00 pm Eastern Time.
What if I have a Roth balance in my retirement plan?
If you have a Roth balance in your employer-sponsored retirement plan, you will want to open a Roth IRA for the Roth portion of your Rollover IRA. If you have questions, please contact us.
What if I have an outstanding loan?
If you have an outstanding loan, there are a couple things you should consider:
Check with your company to find out if the plan will allow you to continue making payments after you leave the company or whether you are required to repay the balance of your loan before you can roll over to an IRA.
If the plan does not allow you to continue to make loan repayments after you leave and you don't repay the loan before doing so, the amount of the unpaid loan is considered a distribution that is added to your income for the year (which is likely taxable) and may also be subject to the 10% early withdrawal penalty from the IRS. If you have questions, please contact us.
What if I leave my employer after turning 55?
If you leave your employer after turning 55, you may be eligible to withdraw savings from your employer-sponsored retirement plan without paying the 10% early withdrawal penalty from the IRS. This is a key difference between an employer-sponsored plan and an IRA. With an IRA, you generally have to wait until age 59 ½ to avoid the 10% early withdrawal penalty. If you may need access to a portion of your savings before age 59 ½, you may want to leave money in your employer-sponsored retirement plan if you're eligible to do so. Please contact us if you have questions.
For questions about your username or password refer to Username/Password Help.