WESTERN ILLINOIS UNIVERSITY 403(B) SUPPLEMENTAL RETIREMENT PLAN

WESTERN ILLINOIS UNIVERSITY 403(b) SUPPLEMENTAL RETIREMENT PLAN APPROVED VENDORS & COMPANY REPRESENTATIVES 2016

American Fund Distributors, Inc. – Mutual Funds with Frontloaded Charges for A shares & Annual Total Account Balance Service Fee Fees & Expenses @ www.americanfunds.com/funds/returns

309-836-2244 Mary Downey, Macomb [email protected] 309-833-1147 David Garner, Macomb [email protected] 309-833-3089 Howard P. Harris, Macomb [email protected] 309-833-1755 Beau Ingledue, Macomb [email protected] 309-343-2125 Edward Sholtis, Galesburg [email protected] 309-647-0076 Rusty Melhouse, Canton [email protected] 309-495-9000 Bill King, Peoria kbelliott.com 309-836-8388 John White, Macomb [email protected] 309-837-2704 Pete Honiotes, Macomb [email protected] 309-837-5454 Patrick Kolata, Macomb [email protected] 309-837-2704 David Wines, Macomb [email protected] 309-836-2885 Ben Pratt, Macomb [email protected] 309-837-5454 Cory Clem, Macomb [email protected]

Fidelity Investment Co. – Mutual Funds with Annual Total Account Balance Service Fee - Fees & Expenses @ www.fidelity.com

800-343-0860 (company direct) Monday – Friday; 8am – 12am EDT

TIAA-CREF – Annuities & Mutual Funds with Annual Total Account Balance Service Fee on Retirement Shares - Fees & Expenses @ tiaa-cref.org Roth provider – Loans against vested balance available

319-356-8006 -Pat J. Conlon, Iowa City, IA [email protected] 319-356-8010 - Main Office, Iowa City, IA

VALIC Retirement – Annuities with Annual Expenses & Service Fees Fees & Expenses @ www.valic.com Roth provider– Loans against vested balance available

217-653-9171 David D. Jones, Quincy [email protected]

Vanguard - Mutual Funds with Annual Total Account Balance Service Fee Fees & Expenses @ www.vanguard.com

800-662-2003 (company direct) Monday – Friday; 8am – 10pm EDT

Eligibility for the 403(b) Plan:

All employees of the University are eligible to participate in the 403(b) plan with the exception of non-resident aliens with no U.S. source of income and student employees exempt from FICA taxation Universal Availability Provision). If eligible, you may save for retirement by making tax deferred contributions or post-tax Roth contributions through the WIU 403(b) Supplemental Retirement Plan. The reduction in your paycheck may be less than your elective deferral to your account as your elective, pre-tax deferral reduces the income tax you pay. You may choose to participate in any of the investment options from the listed vendors. To begin contributions to a WIU 403(b) Supplemental Retirement Plan, contact one of the representatives or companies listed above for an enrollment packet, explanation of the investment option(s) and current fund performance data. A completed enrollment form(s) creating an account with the chosen vendor should be submitted to the company. Payroll reduction forms must be completed with the HR Benefits Office in order for deductions to start. Although any person not on the approved vendor list is prohibited from marketing on the WIU campus, employees may purchase investments from any agent of the named vendors in the Plan. Please call one of the representatives or companies shown with any questions regarding enrollment. If you have any general questions regarding the Plan, please call the Human Resources Benefits Office at 298-1853. Payroll reduction forms may be obtained from the Human Resources Benefits Office, 312 Sherman Hall.

How to Begin 403(b) Contributions:

1. Obtain a company listing from the Human Resources Benefits Office (Sherman Hall 312). 2. Gather plan information. 3. Submit a completed application to create an account with the company you choose. 4. Submit a completed Western Illinois University Benefit Payroll Deduction & Revocation Agreement forms to the Human Resources Benefits Office. 5. Verify the deduction for deferral on your Salary Earnings Statement.

How to Increase or Decrease Your 403(b) Contributions:

1. Submit a completed Western Illinois University Benefit Payroll Deduction & Revocation Agreement form to the Human Resources Benefits Office with the new amount of deduction. 2. Verify the deduction change for deferral on your Salary Earnings Statement.

How to Stop 403(b) Contributions:

1. Submit a Western Illinois University Salary Benefit Payroll Deduction & Revocation Agreement form to the Human Resources Benefits Office with the “authorize revocation” box checked. 2. Verify the deduction change for deferral on your Salary Earnings Statement.

Annual Employee 403b Deferral Limit for Tax Year 2016 Basic Limit for 2015 $18,000.00 Over Age 50 Catch-up for 2015 $6,000.00 Total possible 2015 tax year deferral $24,000.00 Max even Monthly Deferral $2000.00 Max even Twice Monthly Deferral $1000.00