Retirement Services

Eight Simple Steps to Jump-Start

Your Saving for Retirement
Stay connected to your retirement plan account.
Eight Simple Steps to Jump-start Your Saving for Retirement

Congratulations!
You are taking a great step in saving for your future retirement by enrolling into your organization’s
401(k)Plan. If you are an eligible employee and can participate in the plan, please use this booklet
to assist you in completing the enrollment process.

This is the easiest and quickest way to get your 401(k) account
set up. If you are enrolling prior to your organization’s start date
with ADP, simply go to: www.mykplan.com/enroll/learnmore

Step 1: Begin the Enrollment Process

When you navigate to the Enrollment website, you may select
one of two options:
TT  he “Learn More” option allows you to find out more
T
information about 401(k) Plans and how they may
be beneficial for your retirement savings. You are welcome
to review this material and may begin the Enrollment
process at anytime.
TT If you’re ready to enroll, select the “Enroll Now” link
(highlighted in the illustration by the green box).

Step 2: Log onto the Online Application Tool

On the next screen, you will need to type in your organization’s
401(k) Plan Number and the Passcode which have been provided
to you at the Enrollment meeting.
If you have misplaced or not received this information, please
contact your Plan Administrator or call 1-800-MYKPLAN (695-7526)
and our Client Service team can assist you with establishing
your credentials.
Select the “Next” button to continue.
 A
Step 3: Y
 our Plan Allows Rollovers
After considering all of your options, if you have a retirement
A savings account from a previous employer that you would like
to roll over into this 401(k) account, select the “ROLLOVER
money into my 401(k) Plan from another Retirement Plan”
check box (highlighted in the illustration by the green box).1
If you provide your telephone number in the alert box
B an ADP Retirement Counselor2 will contact you to walk B
you through the process.
Otherwise, select the “Next” button to continue.

Step 4: Enter Your Date of Birth

On this screen, enter your birth date through the drop down menus.
Select the “Next” button to continue.

Step 5: C
 hoose a Savings Level3
A
The percentage you indicate here is the percentage B
of your salary which will be deducted each pay period,
before taxes are deducted.
If your organization offers a Roth feature with its 401(k)
B Plan, you may elect that option by selecting the text
(highlighted in the illustration by the green box). C
If you decide to elect the Roth option, on the next
C screen, designate a portion of your post-tax salary
to fund that feature. Otherwise you may skip step 5C.
When you are satisfied with the savings level, select
the “Next” button.

1 ADP makes no recommendation as to whether you should or should not make a rollover into this plan. Consult with you own tax or financial adviser in this regard.
2 Licensed representatives of ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd., Roseland, NJ; Member FINRA.
3 ADP makes no recommendation regarding the appropriateness of any contribution amount or type (Roth v. Traditional 401(k)).
Step 6: Choose Your Investment Election(s)
This screen allows you to select the asset allocation that
A will make up your 401(k) Plan. Your plan’s investment A
line-up includes Target Date Funds. If you wish to pick
a Target Date Fund, the fund with a target date closest
to the date you will turn 65 based on your date of birth
is displayed here. However, you do not need to choose
this fund. If you would like to choose another fund,
proceed to step 6B. Otherwise, proceed to step 6C.
If you would like to find out more about this fund,
ask your HR Representative or Retirement Counselor
B
where to find the prospectus or information statement
for the applicable investment option(s).
Click the “Next” button to select your investments.
B To find out information about any fund, please look
at the fund prospectus (or information statement,
if applicable). C
On the next screen, select an asset allocations so
C that elections total 100%. Don’t worry, you can
adjust these percentages and assign different asset
allocation elections at any time once your account
has been established.
Select the “Next” button to continue.

Step 7: Confirm Your Investment Elections

Here you will confirm your elections selected on the previous screen.
If you would like to change these elections, select the “Investment
Options” button.
Otherwise, select the “Next” button.
Step 8: You’re Almost Finished
To wrap up this application, you will need to provide
your personal information:
TT Your First and Last Name
TT A Valid Email Address; and
TT Your Social Security Number
Confirm that this information is correct, review the
required acknowledgment, click on the box to indicate
you’ve done so, and then select the “Enroll” button
to complete the online enrollment process.

Congratulations!
You have just completed a big step towards
saving for your future retirement.
Accessing Your 401(k) Account Online:
Once your account is established, you will receive a notification by mail
A which includes information to access your account online. To log into
your account, simply go to: www.mykplan.com

Accessing your online account will

allow you to monitor performance;
make adjustments to your asset
allocations; increase or decrease
deferral percentages; and make
updates to your personal information.
In the event you would like to setup your account over
the telephone or require additional assistance:

Setting up Your Account over the Telephone: 1-800-MYKPLAN (695-7526)

You have secure access to your account through the automated Voice‑Response System,
and personal assistance through a Customer Service Representative.

Voice-Response System TT 24 hours a day, 7 days a week2

TT Get account information
TT Conduct transactions
TT Request investment information and prospectuses

Customer Service TT Available Monday – Friday 8am – 9pm EST

Representative
TT Get answers to your questions
TT Review account information
TT Request transactions
2 Generally available 24 hours a day, 7 days a week except for periods of scheduled maintenance.
Customer Service Representatives are registered representatives of ADP Broker-Dealer, Inc. (Member FINRA),
an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ.

Please note:
If you misplaced or did not receive your letter, you can simply call 1-800-MYKPLAN (695-7526) and our Client Service
team can help you establish your login credentials.
ADP Retirement Services
71 Hanover Road
Florham Park, NJ 07932

Stay connected to your account and get there one step at a time.
www.mykplan.com | 1-800-MYKPLAN (695-7526)

Investment options are available through either ADP Broker-Dealer, Inc. (Member FINRA), an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ or (in the case
of certain investments) ADP, LLC.
Investments in mutual funds and commingled funds (also known as collective trusts) involve risk. Diversification does not eliminate risk. Some investment
products have more risk than others, such as those investing in commodity-related securities, which are subject to market price movements, regulatory changes
and economic conditions as well as adverse political and financial factors. REIT investments can be affected by interest-rate moves, economic cycles and tax
and regulatory requirements. Bond investments are subject to interest-rate risk such that when interest rates rise, the prices of the bonds, and thus the value
of the bond investment, can decline and the investor can lose principal value. Derivatives may be more volatile and less liquid than traditional securities,
and the portfolio could suffer losses on its derivative positions. An investment in underlying money markets is not insured or guaranteed by the Federal Deposit
Insurance Corporation or by any government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share,
it is possible to lose money by investing in a money market fund. The underlying mutual funds in the portfolios of asset allocation funds are subject to stock
market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less than its original
cost. Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation, political and economic
changes, and market risks. The target date of a target date mutual fund is the approximate date when an investor plans to begin withdrawing their money
from the funds. The principal value of a target date fund is not guaranteed at any time, including at the target date. Furthermore, there are additional risks
associated with investing in non-US companies, high-yield bonds, emerging markets, aggressive growth stocks, non-diversified/concentrated funds
and small-, mid- and micro-cap stocks which are more fully explained in the prospectuses/information statements.
For complete information about a particular fund or to obtain a fund prospectus (or information statement, in the case of commingled funds), call the Employee
Service Center at 1-888-822-9238, or go to www.mykplan.com. You should carefully consider an investment option’s objectives, risks, charges and expenses
before investing. The prospectus (or information statement, as applicable) contains this and other important information about the investment option and investment
company. Please read the prospectus/information statement carefully before making an investment decision.

ADP, LLC and its affiliates do not offer investment, tax or legal advice to individuals. Nothing contained in this
communication is intended to be, nor should be construed as, particularized advice or a recommendation
for a particular investment option or course of action, nor the sole authority on any regulation, law or ruling.
Questions about how laws, regulations and guidance apply to your plan or account should be directed to your
plan administrator or legal, tax or financial advisor.
ADP and the ADP logo are registered trademarks of ADP, LLC. ADP A more human resource. is a service
mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners.
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