Guide to Your Retirement Plan Statement - Benefits OnLine

Transcription

Guide to Your Retirement
Plan Statement
Reviewing your account information has never been easier
FOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE
AND MORE
SUMMARY OF YOUR PLANS
Your Retirement Plan
statement includes:
S a m p le
www.benefits.ml.com
ABC COMPANY
OCTOBER 1, 20XX – DECEMBER 31, 20XX
TOTAL AGGREGATE PLAN VALUE
$582,802.58
Participant Name
Address Line 1
City, State Zip Code
401(K) PLAN(S)
TOTAL CURRENT VALUE: $242,258.48
(including outstanding loans)
Cumulative Return
Beginning Balance
Ending Balance
Vested Balance % For This Period
401(k) Plan 1
$200,235.64
$236,906.59
Total Outstanding Loans
$189,525.27
8.00%
Cumulative Return
Beginning Balance
Ending Balance
Vested Balance
% For This Period
$57,790.99$57,790.99
$65,139.23$65,139.23
2,300.00
2,300.00
$53,691.95
$62,114.52
1,100.00
8.00%
8.00%
8.00%
Your deferrals are deemed invested as listed in the plan details investment summary, per your election. However, plan assets are owned by the Plan Sponsor.
CASH BALANCE PLAN(S)
1 |
Vested Balance
Ending Balance
Cash Balance Plan 1
Please review your statement
and advise Merrill Lynch if
you find discrepancies in
your personal or account
information. If we do not
hear from you within 30
days, we will assume that all
information is correct.
EQUITY AWARDS
POTENTIAL MARKET VALUE: $199,313.88
Vested Balance:
$177,374.09 Unvested Balance:
$21,939.79
5,351.89
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) TOTAL CURRENT VALUE: $125,230.22
Pre 2005 Deferred Compensation Plan 1
Post 2004 Deferred Compensation Plan 2
2011 Deferred Compensation Plan 3
Total aggregate plan value of plans displayed on this statement, as
calculated according to the terms and conditions of each plan. Value
may include 401k plan(s) (including outstanding loans), Non-Qualified
Deferred Compensation Plan(s), Equity Awards, Defined Benefit Cash
Balance Plan(s). It does not include Accrued Benefit Defined Benefit
Plan(s), ESPP plans or Additional Retirement Accounts.
TO CONTACT MERRILL LYNCH
(800) 000-0000, 8 AM
– 7 PM ET
Outside USA: (609) 000-0000
TTD (hearing impaired):
(866) 000-0000
www.benefits.ml.com
$10,000.00
$16,000.00
TO CONTACT YOUR
FINANCIAL ADVISOR,
JOHN SMITH
Call: (999) 999-9999
www.website.com
ABC COMPANY | SUMMARY OF YOUR PLANS
MONTHLY PAID PENSION PLAN(S)
ESTIMATED MONTHLY BENEFIT*: $1,000.00
Projected Benefit At
Normal Retirement Age*
Accrued Benefit Plan 1
ADDITIONAL RETIREMENT ACCOUNTS
The current balance of your additional retirement accounts is
shown below. For more information on these accounts, call
(000) 000-0000 or log on to www.website.com.
ABC Co., Inc. 457(b) (as of 12/31/20XX)
TO CONTACT
ABC COMPANY
300.00
700.00
*If you worked until normal retirement age, and both the plan provisions and
your salary on 12/31/20XX remain as is.
$3,457.08
ABC Company Benefits Dept.
(999) 999-9999, 9 AM - 5 PM ET
www.website.com
• An easy-to-read design
• A concise summary of your account(s)
• Recaps of contributions and activity
in your account(s)
• Additional key information about your
account(s)
This guide represents features typically
common to retirement plans and
statements. You can review your actual
statement anytime at your convenience –
log on to Benefits OnLine® at
www.benefits.ml.com.
0000000000000000000000000000000
The sample statement pages shown in this communication are intended as a general illustration of the information
available on participant statements. They are not meant as exact representations of your own statement.
www.benefits.ml.com
»
How to use this guide
This document was set up in an easy-to-read format to help you understand the different portions of your statement. Just review the
definitions of the items highlighted on each sample statement page.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner &
Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BAC). MLPF&S is a registered
broker-dealer, member SIPC and a wholly owned subsidiary of BAC.
Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
Statement Summary — Front Page
1.
Sampl
www.benefits.ml.com
FOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE AND
MORE
SUMMARY OF YOUR PLANS
e
ABC COMPANY
2. TOTAL AGGREGATE PLAN VALUE
$582,802.58
Participant Name
Address Line 1
City, State Zip Code
3. 401(K) PLAN(S)
CURRENT VALUE: $242,258.48
6. TOTAL(including
outstanding loans)
7.
5.
$236,906.59
$189,525.27
8. 8.00%
Cumulative Return
Beginning Balance
Ending Balance
Vested Balance % For This Period
4.
401(k) Plan 1
$200,235.64
Total Outstanding Loans
9.
Cumulative Return
Beginning Balance
Ending Balance
Vested Balance
% For This Period
$57,790.99$57,790.99
$65,139.23$65,139.23
2,300.00
2,300.00
$53,691.95
$62,114.52
1,100.00
8.00%
8.00%
8.00%
Your deferrals are deemed invested as listed in the plan details investment summary, per your election. However, plan assets are owned by the Plan Sponsor.
10. CASH BALANCE PLAN(S)
a)
Cash Balance Plan 1
Please review your statement
and advise Merrill Lynch if
you find discrepancies in
your personal or account
information. If we do not
hear from you within 30
days, we will assume that all
2 |
TO CONTACT MERRILL LYNCH
(800) 000-0000, 8 AM – 7
PM ET
Outside USA: (609) 000-0000
TTD (hearing impaired):
(866) 000-0000
www.benefits.ml.com
2
Ending Balance
b)
$16,000.00
TO CONTACT YOUR
FINANCIAL ADVISOR,
JOHN SMITH
Call: (999) 999-9999
www.website.com
ABC COMPANY | SUMMARY OF YOUR PLANS
See definitions on the next page.
EQUITY AWARDS
11.
POTENTIAL MARKET VALUE: $199,313.88
Vested Balance:
$177,374.09 Unvested Balance:
$21,939.79
5,351.89
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) TOTAL CURRENT VALUE: $125,230.22
Pre 2005 Deferred Compensation Plan 1
Post 2004 Deferred Compensation Plan 2
2011 Deferred Compensation Plan 3
Total aggregate plan value of plans displayed on this statement, as
calculated according to the terms and conditions of each plan. Value
may include 401k plan(s) (including outstanding loans), Non-Qualified
Deferred Compensation Plan(s), Equity Awards, Defined Benefit Cash
Balance Plan(s). It does not include Accrued Benefit Defined Benefit
Plan(s), ESPP plans or Additional Retirement Accounts.
Vested Balance
$10,000.00
MONTHLY PAID PENSION PLAN(S)
12.
ESTIMATED MONTHLY BENEFIT*: $1,000.00
Projected Benefit At
Normal Retirement Age*
*If you worked until normal retirement age, and both the plan provisions and
your salary on 12/31/20XX remain as is.
ADDITIONAL RETIREMENT ACCOUNTS
13.
The current balance of your additional retirement accounts is
shown below. For more information on these accounts, call
(000) 000-0000 or log on to www.website.com.
ABC Co., Inc. 457(b) (as of 12/31/20XX)
TO CONTACT
ABC COMPANY
300.00
700.00
ABC Company Benefits Dept.
(999) 999-9999, 9 AM - 5 PM ET
www.website.com
000000000000000000
0000000000000
$3,457.08
1. B
enefits OnLine® website address – Easy access to all
your account information, virtually 24/7.
2. T
otal Aggregate Plan Value – Total value of all plan(s)
displayed on this statement, as calculated according to Plan
terms and conditions (please read the footnote below the
plan value to see what plans may or may not be included).
3. 4
01(k) Plan Information – This section summarizes your
401(k) Plan data for this reporting period.
4. B
eginning Balance – The market value of the assets
held in your account as of the opening date of the reporting
period. The statement reporting period is located in the upper
left of your statement.
5. E
nding Balance – The market value of the assets held in
your account as of the ending date of the reporting period,
not including any outstanding loan balances.
6. T
otal Current Value – The total market value of your
account(s) as of the close of business on the last day of the
reporting period, including any outstanding Plan loans you
may have.
7. V
ested Balance – The total vested market value of
your account, which you are entitled to receive even if you
terminate employment with your company. Does not include
loan balance.
8. R
eturn % for this period – Percentage increase or
decrease in the market value of the assets held in your account
for the reporting period. This is an estimate of your investment
return based on account data as of the end of the reporting
period. The estimate was calculated using a widely accepted,
time-weighted daily valuation method. The return is based on
the results of your investment selections as well as account
activity. Other methods of calculating returns may yield
different results. Past performance is no guarantee of future
results.
9. Non-qualified Deferred Compensation Plan
Information – This section summarizes your Non-qualified
Deferred Compensation Plan data for this reporting period.
10. Cash Balance Plan Information – This section
summarizes your Cash Balance Plan information.
a) Ending cash balance for the reporting period
b) Your vested balance at the end of the reporting period
11. Equity Awards – If applicable, the potential market
value, vested balance and unvested balance of any
stock awards you may have.
12. Monthly Paid Pension Plan – The estimated monthly
benefit you may be eligible to receive under plan terms at
Normal Retirement Age.
13. Additional Retirement Accounts – The current
balance for any other employer plan retirement accounts
you participate in.
3
401(k) Plan Activity (Part 1)
Sampl
e
ABC Company
Activity Detail
October 1, 20XX - December 31, 20XX
401(K) PLAN(S)
n CONTRIBUTIONS AND ACTIVITY FOR THIS PERIOD
3.
4.
5.
$200,235.64
Employee Pre Tax
After Tax Roth 401(k)
750.00
250.00
100.00
Your Total Contributions
Employer Contributions
ABC COMPANY match
Profit Sharing
Safe Harbor Match
1,100.00
Total Employer Contributions
Loan Repayments
Principal
Interest
1,000.00
500.00
250.00
250.00
Total Loan Repayments
Other Activity
Interest, Dividends/Other Credits
Withdrawals/Debits
200.00
100.00
300.00
a)
b)
Total Other Activity
70.00
Recordkeeping Fee
-40.00
-5.00
6. Fees
Loan Initiation Fee
Total Fees
Change in Value
7. Ending Balance
8. Vested Balance
9. Total Outstanding Loans
10. n CONTRIBUTIONS THIS YEAR
Employee Contributions
Employer Contributions
12 Months
3 Years
5 Years
6.87%
9.82%
10.51%
401(k) Plan
12.
n YOUR SAVINGS ELECTIONS
401(k) Plan
Pre-Tax
contributions
Roth
401(k)
After-Tax
contributions
12.00%
3.00%
5.00%
13. n YOUR PERSONAL INFORMATION
401(k) Plan 1
Current Status: Active
Hire Date: xx/xx/xx
Plan Entry Date: xx/xx/xx
Location: xxxxxx
70.00
0
-45.00
$34,245.95
$236,906.59
$189,525.27
$5,351.89
12,000.00
5,000.00
Total Contributions
$17,000.00
4 |
ABC Company | 401(k) PLANs
4
11. n YOUR CUMULATIVE RATE OF RETURN
401(k) Plan 1
1. Beginning Balance
2. Employee Contributions
PARTICIPANT name
0000000000000000000000000000000
Adjusted Hire Date: xx/xx/xx
Employee Number: xxxxxx
1. B
eginning Balance – The market value of the assets
held in your account as of the opening date of the reporting
period.
8. Vested Balance – The total vested market value of your
account, which you are entitled to receive even if you terminate
employment. Does not include loan balance.
2. E
mployee Contributions – Total contributions you have
made during the reporting period.
9. Total Outstanding Loans – The aggregate amount of
all outstanding plan loans you may have. Loans are reported
separately from total assets because they are not an asset of
your account.
3. E
mployer Contributions – Total contributions your
employer has made to your account during the reporting
period (if applicable).
4. L
oan Repayments – If you have a plan loan, total loan
repayments made during the reporting period.
5. O
ther Activity – Changes that may affect your account
balance during the reporting period, including these
categories:
a) Interest, dividends/other credits added to your account
(these amounts are reinvested automatically)
10. Contributions This Year – Year-to-date dollar amount
of your Employee Contributions, any Employer Contributions
made to your account, and the total of your Employee and
Employer contributions.
11. Your Cumulative Rate of Return – Percentage
increase or decrease in the market value of plan assets
held in your account for the prior 12 months, 3 years and
5 years.*
b) Withdrawals/debits, such as an in-service withdrawal
12. Your Savings Elections – Percentage of your eligible
compensation or dollar amount that you are contributing.
6. Fees – Fees that may be charged to your account, such as
an account maintenance fee, loan fee and/or overnight check
fee, for example.
13. Your Personal Information– Key data about your
participation in your Plans.
7. Ending Balance – The market value of the assets held in
your account as of the closing date of the reporting period.
* These are estimates of your investment returns based on account data for the periods listed. The estimates are calculated using a widely accepted, time-weighted daily valuation method.
The return is based on the results of your investment selections as well as account activity. Other methods of calculating returns may yield different results. Past performance is no
guarantee of future results.
5
401(k) Plan Activity (Part 2)
Sampl
e
ABC Company
Activity Detail
PARTICIPANT name
401(K) PLAN(S) CONTINUED
1.
n CONSOLIDATED ASSET ALLOCATION
This pie chart shows the current asset
allocation for all your 401(k) plan(s).
Equity/Stock
20%
Other
40%
Fixed Income/Bond
20%
Money Market/Stable Value
20%
2.
3.
n INVESTMENT SUMMARY
4. a)
b)
c)
6 |
ABC Company | 401(k) Plans
6
5.
6.
CURRENT INVESTMENT DIRECTION
Beginning Beginning Ending Ending
Investment
Investment 401(k) Plan 1 Balance Shares/Units Shares/Units Share/Unit Price($)
Gain/Loss Ending Balance
EQUITY/STOCK $194,440.65
ABC Company Stock (ABC)
20% 12,090.10 239.2145 250.6852 50.0000 444.16 $12,534.26
Self-Direct Acct #####
147,991.29
147,991.2800
181,906.3800
1.0000
33,915.10
181,906.39
FIXED INCOME/BOND $34,814.69
ABC Fixed Income Fund (ABCIX) 40% 7,652.12
513.3893
513.3893
15.0000 48.72 $7,700.84
DEF Total Return Bond Fund (ABCIX) 1,440.21
50.2563
56.9704
25.0000 -15.95 $1,424.26
XYZ Bond Fund (ABCIX) 20% 23,563.25
695.2567
708.6783
36.2500 2,126.34 $25,689.59
MONEY MARKET/STABLE VALUE
$7,651.25
ABC Money Market Fund (ABCXX) 20% 7,498.67 147.2089 153.025 50.00 152.58 $7,651.25
Total 100% $200,235.64 $36,670.95 $236,906.59
7.
8.
9.
10.
0000000000000000000000000000000
1. Asset Allocation – Pie chart summarizing how
your account is currently distributed across major asset
classes.
5. Beginning Balance – Price per share or unit multiplied
by the number of shares or units held in your account at the
beginning of the reporting period.
2. Investment Summary – A fund-by-fund summary of
your investments in your plan(s) as of the closing date of the
reporting period.
6. Beginning Shares/Units – Number of shares or units
of each investment held in your account as of the beginning
date of the reporting period.
3. Current Investment Direction – The percentage of your
future contributions currently being directed to each fund
(totals 100%).
7. Ending Shares/Units - Number of shares or units of each
investment held in your account as of the closing date of the
reporting period.
4. Fund (Symbol) – The funds in which your account is
invested and each fund’s ticker symbol, if applicable. Funds
are grouped according to asset class, for example:
8. Ending Share/Unit Price – Share or unit price of each
fund held in your account as of the closing date of the
reporting period.
a) Equity/Stock
9. Investment Gain/Loss - The change in value of your
investment during the reporting period, reflecting any
investment gain or loss, plus or minus any activity that
occurred in the fund.
b) F
ixed Income/Bond
c) M
oney Market/Stable Value
10. Ending Balance – Price per share or unit multiplied by
the number of shares or units held in your account at the
end of the reporting period.
7
Non-Qualified Plan Activity (Part 1)
Sampl
e
ABC Company
Activity Detail
PARTICIPANT name
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S)
1. n ACTIVITY FOR THIS PERIOD
2.Beginning
Balance Plan 1
Pre 2005 Salary Deferrals Pre 2005 Bonus Deferrals 6. Income/ Employer 3.ConversionIn 4.Employee
5. Deferrals
Deferrals Other Credits 7. Distributions/ 8. Change in Fees/Other Debits Value 9.
Ending
Balance
$20,158.52 $33,533.43 0.00 0.00 0.00 0.00 0.00 0.00 $625.00 $4,000.00 $1,000.00 $0.00 $226.22 $247.82 $20,009.74
$37,781.25
$37,561.38 0.00 0.00 0.00 $1,000.00 $0.00 $438.18 $38,997.56
$25,553.14 0.00 0.00 0.00 $1,350.00 $0.00 $238.53 $26,141.67
$1,100.00 0.00 $500.00 0.00 $117,906.47 $500.00 $7,475.00 $0.00 $1,000.00 $200.00 $1,350.75 $2,300.00
$125,230.22
Plan 2
Post 2004 In-Service
Salary Deferral Post 2004 In-Service
Bonus Deferral Plan 3
2011 In-Service Salary Deferral
Total 10.

n DEFERRAL SUMMARY
This Period
Year
to date
Plan 3
$1000.00
Total
$2,200.00
$1,000.00$2,200.00
11. n DISTRIBUTION SUMMARY
Effective Date
Timing of Payment
Form of Payment/
Remaining Payments
Plan 1
Pre 2005 Salary Deferrals
Pre 2005 Bonus Deferrals
Current
Current
Initial Payment Date January 2009
Separation from Service
8 Annual Installments
Lump Sum
Plan 2
Post 2004 In-Service Salary Deferral
Post 2004 In-Service Bonus Deferral
Current
Current
In-Service January 2013
Lump Sum
3 Annual Installments
Plan 3
Current
Lump Sum
*In the absence of an election, the account will be distributed according to plan provisions.
8 |
ABC Company | NON-QUALIFIED DEFERRED COMPENSATION
0000000000000000000000000000000
Continued on next page
12
8
1. Activity for This Period – Details for each Non-Qualified
Deferred Compensation Plan in which you participate during
the reporting period for the statement.
8. Change in Value – The aggregate increase or decrease
in the market value of the deemed assets credited to your
account.
2. Beginning Balance – The market value of “deemed”
assets credited to your account in each Non-Qualified
Deferred Compensation Plan, as of the opening date of the
reporting period.
9. Ending Balance – The total market value of the “deemed”
assets credited to your account in each Non-Qualified Plan, as
of the closing date of the reporting period.
3. Conversion In – Any “deemed assets” transferred from a
prior recordkeeper during the reporting period.
10. Deferral Summary – All deferrals to your account as of
the current reporting statement (“This Period”) and year to
date (“Ending Balance”).
4. Employee Deferrals – All deferrals credited to your
account for the reporting period.
11. Distribution Summary – All scheduled distributions
from your account.
5. Employer Deferrals – All employer deferrals credited to
your account for the reporting period.
6. Income/Other Credits – All interest and/or dividends on
investments credited to your account for the reporting period.
7. Distributions/Fees/Other Debits – Items that reduce
your account balance, such as distributions or fees.
* These are estimates of your investment returns based on account data for the periods listed. The estimates are calculated using a widely accepted, time-weighted daily valuation method.
The return is based on the results of your investment selections as well as account activity. Other methods of calculating returns may yield different results. Past performance is no
guarantee of future results.
9
Non-Qualified Plan Activity (Part 2)
Sampl
e
ABC Company
Activity Detail
PARTICIPANT name
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) CONTINUED
1.
n ASSET ALLOCATION
This pie chart shows the current asset
allocation for your NQDC plan(s).
Equity/Stock
20%
Other
40%
Fixed Income/Bond
20%
Money Market/Stable Value
20%
2. n Investment Summary 5.
9.
6. Beginning 7. Ending 8.
10. Ending
Beginning Ending Share/ Investment 3. Investment Balance Shares/Units Shares/Units Unit Price($) Gain/Loss Balance
$47,706.37
4. a) EQUITY/STOCK ABC Large Cap Fund 46,896.22 956.1274 954.1274 $50.00 810.15 $47,706.37
b) FIXED INCOME/BOND $69,872.60
c)
ABC Fixed Income Fund (ABCIX) 20,489.26 1430.1583 1434.7927 $15.00 1032.63 $21,521.89
DEF Total Return Bond Fund (ABCIX) 17,536.21 641.2547 644.8536 $25.00
-1414.84 $16,121.34
XYZ Bond Fund (ABCIX) 7,998.23 215.5263 223.4657 $36.25 102.39 $8,100.63
ZZZ Global Bond Fund (ABCIX) 17,566.27 910.2568 916.2467 $21.36 2004.75 $19,571.03
GHI Total Allocation Fund (ABCIX) 4,512.98 363.4537 363.4537 $12.54 44.72 $4,557.71
MONEY MARKET/STABLE VALUE $7,651.25
ABC Money Market Fund (ABCXX) 7,498.67 147.2089 153.0250 $50.00 152.58 $7,651.25
Total 10 |
$122,497.84
$2,732.38 $125,230.22
ABC Company | NON-QUALIFIED DEFERRED COMPENSATION
10
0000000000000000000000000000000
1. Asset Allocation – Pie chart summarizing how
your account is currently distributed across major asset
classes.
5. Beginning Balance – Price per share or unit multiplied by
the number of shares or units of each deemed investment
held in your account at the beginning of the reporting period.
2. Investment Summary – A fund-by-fund summary of your
deemed investments in your plan(s) as of the closing date of
the reporting period.
6. Beginning Shares/Units – Number of shares or units
of each deemed investment held in your account as of the
beginning date of the reporting period.
3. Current Investment Direction – The percentage of your
future deferrals currently being directed to each fund (totals
100%).
7. Ending Shares/Units - Number of shares or units of each
deemed investment held in your account as of the closing
4. Fund (Symbol) – The funds in which your account is
deemed to be invested and each fund’s ticker symbol, if
applicable. Funds are grouped according to asset class,
for example:
8. Ending Share/Unit Price – Share or unit price of each
deemed investment held in your account as of the closing
a) Equity/Stock
b) F
ixed Income/Bond
c) M
oney Market/Stable Value
9. Investment Gain/Loss - The change in value of your
deemed investment during the reporting period, reflecting
any investment gain or loss, plus or minus any activity that
occurred in the fund.
10. Ending Balance – Price per share or unit multiplied by
the number of shares or units of each deemed investment
held in your account at the end of the reporting period.
11
Equity Awards Section (Part 1)
Sampl
e
ABC Company
Activity Detail
PARTICIPANT name
2. n POTENTIAL MARKET VALUE* $199,313.88
$177,374.09
3. n VESTED BALANCE:
$21,939.79
4. n UNVESTED BALANCE:
ABC $89.50
5. n CLOSING PRICE
1. EQUITY AWARDS
Placeholder for Brokerage Account Alert
Placeholder for TEFRA message.
Placeholder for Grant Award Acceptance Alert.
AS OF 12/31/20XX
For complete details on your Equity Awards,
please log on to www.benefits.ml.com
6.
n OPTION AWARD BALANCE

a) Symbol b) Grant Date
Type/
c) Grant
d)Grant Price
Grant Code
f)
Options
Granted
g)Beginning
Balance
h) Activity
+/-
i)
Ending
Balance
j) Last Date
k)
Vested
Excercisable
to Exercise
l)
Potential
Market Value*
ABC
04/18/2008
NQO/xxxxxxxx$39.501,0001,0001,0001,000
04/18/20181,000
$10,000.00
09/11/2010
ISO/xxxxxxxx51.75750750750750
09/11/2020750
$28,312.50
08/15/2012
ISO/xxxxxxxx76.25
1,000500500500
08/15/2022500
$13,250.00
Total 2,7502,2502,2502,2502,250
$51,562.50
7.
n RESTRICTED AWARD BALANCE
ABC
Type/
c) Grant
Grant Code
01/01/2009 RES/xxxxxxxx
07/24/2010 RSU/xxxxxxxx
08/15/2011 DEU/xxxxxxxx
Total 12 |
h) Activity
+/-
Ending
i) Balance
l)
m)
Potential Next Restriction
Market Value*
Lapse Date
n)Share/Units
Lapsing
1,000
750
1,000
1,000
750
500
1,000
750
500
1,000 $19,500.0001/01/2013
750
7,125.0007/24/2013
500
1,342.5008/15/2014
1,000
750
500
2,750
2,250
2,250
2,250
2,250
ABC Company | EQUITY AWARDS
12
Awards
e) Granted
g) Beginning
Balance
$27,967.50
1. Equity Award Messages – Personal alerts and messages
pertaining to your brokerage account(s) and equity awards.
e) Awards Granted: The number of awards granted to you by
your company.
2. Potential Market Value – Potential market value of your
awards, based on closing price on last day of reporting period,
but NOT net of fees or taxes.
f) Options Granted: The number of stock options granted to you
by your company.
3. Vested Balance – Potential market value that is
currently vested.
4. Unvested Balance – Potential market value that is NOT
yet vested.
5. Closing Price – The share price of stocks included in your
equity awards as of the closing date of the reporting period.
Award balances:
6. Option Award Balance – Summary of stock option
awards in your account as of the closing date of the
reporting period.
g) Beginning Balance: Your balance at the beginning of the
statement period.
h) Activity (+/-): All exercises, cancels, etc., as of the statement
period.
i) Ending Balance: Your balance at the end of the statement
period.
j) Last Date to Exercise: The date your grant is no longer available
under the terms of your company’s Plan and any agreement
between you and your company.
k) V
ested Exercisable: The number of equity awards that are
exercisable in your recordkeeping account.
7. Restricted Award Balance – Summary of awards in your
account as of the closing date of the reporting period.
l) P
otential Market Value: Value of vested/unvested awards,
based on closing price on last day of reporting period, NOT net
of fees or taxes.
The following items (a-n) refer to #6 and #7 above and on page
12, as applicable.
m) Next Restriction Lapse Date: Date on which the next
scheduled restriction will lapse, or end.
a) Symbol: Each stock’s ticker symbol.
n) Shares/Units Lapsing: The number of shares/units due to
lapse at the next restriction lapse date.
b) Grant Date: The official date a participant receives
an award.
c) Grant Type/Grant Code: The type of grant and reference code
for each award received.
d) Grant Price: The set price at which an optionee can buy
company stock under the terms of an employee stock option
plan.
13
Equity Awards Section (Part 2)
Sampl
e
ABC Company
Activity Detail
PARTICIPANT name
EQUITY AWARDS CONTINUED
8.
n PERFORMANCE AWARD BALANCE
c)
Grant Type/
Grant Code
Target Award
d)
Target
e) Dividend f)
Total Pending
Achievement
j) Total Achieved
l) Total Paid
(unpaid)
m)
Ending
Balance
q)
p)
Potential Next Performance
Market Value*
End Date
ABC
04/18/2008
PS/xxxxxxxx1,000
30.00
512.00512.00512.00
$512.00
$68,221.38
04/18/2018
Total 30.00
512.00512.00512.00
$512.00
$68,221.38
9.
n STOCK APPRECIATION RIGHT BALANCE
a) Symbol
b) Grant Date
ABC
c)
Grant Type/
Grant Code
Grant Price
g)
SARs
h) Granted
i)
Beginning
Balance
k)
Activity
+/-
Ending
m) Balance
Last Date
Vested
n)to Exercise o) Exercisable
p)
Potential
Market Value*
01/01/2009SAR/xxxxxxxx
$39.50
1,000
1,000
1,000
1,000 04/18/2016
$51.75
750
750
750
750 09/11/2018
1,000 $10,000.00
750
28,312.00
$76.25
1,000
500
500
500 04/11/2020
500
13,250.50
Total 2,750
2,2502,2502,2502,250
$51,562.50
Please log on to www.benefits.ml.com to view your equity award activity. If you have any questions please contact a Merrill Lynch Representative at (877) 765-7656. If you reside outside of
the U.S., Canada or Puerto Rico, please contact a Merrill Lynch Representative at (609) 818-8908.
Values within this statement utilize standard rounding; actual numbers may vary. Values for equity awards represent potential market value based on market price. Potential market value
may include potential income of unvested awards and values may change if your employment status changes. This figure does not take into account payment of applicable taxes or fees.
Please review your statement and advise Merrill Lynch if you find discrepancies in your personal or account information. If we do not hear from you within 60 days, we will assume that all
The data presented on this section of your statement is for recordkeeping purposes only. This section of your statement does not reflect the holding of securities, cash or cash equivalents
by Merrill Lynch, Pierce, Fenner & Smith Incorporated or any affiliate of Bank of America Corporation. Accordingly, the options reflected on this section of your statement are not subject to the
provisions of the Securities Investor Protection Act of 1970, and brokerage account terms and conditions do not apply.
Please refer to the provisions in your individual Award Agreement, if applicable, and/ or the official stock plan document, which govern the terms of your award. The provisions in the Award
Agreement, if applicable, and stock plan document supersede any information, including conflicting information, reflected in this statement or on the Benefits OnLine website.
14 |
ABC Company | EQUITY AWARDS
14
0000000000000000000000000000000
Award balances:
8. P
erformance Award Balance – Summary of awards in
your account as of the closing date of the reporting period.
9. S
tock Appreciation Right Balance – Summary of
awards in your account as of the closing date of the
reporting period.
The following items (a-q) refer to #8 and #9 above and on page
14, as applicable
a) S
ymbol: Each stock’s ticker symbol.
b) Grant Date: The official date a participant receives
an award.
g) G
rant Price: The set price at which an optionee can buy
company stock under the terms of an employee stock option
plan.
h) SARs Granted: The number of SARs granted to you by your
company.
i) Beginning Balance: Your balance at the beginning of the
statement period.
j) Total Achieved (unpaid): Represents shares awaiting payout.
k) A
ctivity (+/-): All exercises, cancels, etc., as of the statement
period.
l) T
otal Paid: Number of shares paid.
c) Grant Type/Grant Code: The type of grant and reference code
for each award received.
m) Ending Balance: Your balance at the end of the statement
period.
d) T
arget Award: Represents the initial award amount. This
amount may increase or decrease depending on the
performance of the company-defined metric(s).
n) Last Date to Exercise: The date your grant is no longer
available under the terms of your company’s Plan and any
agreement between you and your company.
e) T
arget Dividend: Represents dividends accrued on the target
award amount. This amount may increase or decrease
depending on the performance of the company-defined
metric(s).
o) V
ested Exercisable Balance: The number of equity awards that
are exercisable in your recordkeeping account.
f) Total Pending Achievement: Represents shares/units that are
not yet achieved.
p) P
otential Market Value: Value of vested/unvested awards,
based on closing price on last day of reporting period, NOT
net of fees or taxes.
q) N
ext Performance End Date: Date on which the next
scheduled performance period ends.
15
Defined Benefit Plan Section
Sampl
e
ABC Company
Activity Detail
1.
PARTICIPANT name
4. n YOUR PERSONAL INFORMATION
DEFINED-BENEFIT PLAN(S)
Benefit Plan 1
n ACCRUED BENEFIT INFORMATION
Your ABC Corp Retirement Plan
Your 12/31/20XX Estimated Accrued Monthly Benefits as a Life Annuity at age 65.
(Calculate other estimate dates online.) (Standard Field 1)
Your estimated Projected Monthly Benefit as a Life Annuity at age 65.
(Calculate other estimate dates online.) (Standard Field 2)
Additional Custom Fields Available 2.
$3,550
$3,550
xxxxxxxxxxx
INFORMATION
Your ABC Corp Cash Balance Plan
$16,000.00
$10,000.00
$4,125.65
$1,072.03
xxxxxxxxxxx
RETIREMENT PLAN
The interest credit rate is the monthly equivalent of the 5 year U.S. Treasury Bond yield for the month of November
during the prior year. The annual percentage rate basis fro the interest credit applied to your balance for this quarter
was 3.05%.
ABC Company | DEFINED BENEFIT
16
To receive a certified statement of your social security
benefits issued directly by the Social Security Administration,
you may log onto https://secure.ssa.gov/apps6z/issss/
main.html and complete the online application form. After
submission, a statement of benefits will be mailed to you in
2 to 4 weeks.
7. IMPORTANT INFORMATION ABOUT YOUR
IMPORTANT INFORMATION ABOUT ABC CORP CASH BALANCE PLAN
16 |
Primary Beneficiary: BENEFICIARY NAME
Relationship: Child
Percentage: 100%
6. n SOCIAL SECURITY BENEFIT
n CASH BALANCE INFORMATION
a) Balance as of 12/31/20XX
b) Vested Balance as of 12/31/20XX
c) Pay Credits during period (Custom Field 1)
Interest Credits during period (Custom Field 2)
d) Additional Custom Fields Available 5. n YOUR BENEFICIARY INFORMATION
Benefit Plan 1
IMPORTANT INFORMATION ABOUT ABC CORP RETIREMENT PLAN
After five years of continuing service, you are 100% vested. [If you separate employment, any unvested portion is
forfeited based on the Plan vesting schedule.]
3.
Current Status: Active
Hire Date: xx/xx/xx
Birth Date: xx/xx/xx
Spouse’s Birth Date: xx/xx/xx
Date of Normal Retirement: xx/xx/xx
*This statement reflects your estimated benefit only and
should not be relied upon for determining your actual
distributable benefit. Your exact pension benefit will be
determined after a certified calculation has been performed
reflecting your actual service, salary, employment history
and other relevant data determined in accordance with your
retirement date or termination of employment.
0000000000000000000000000000000
1. Accrued Benefit Information – The estimated amount
of your accrued benefit payable at age 65 as of the end of
the reporting period, if you choose the Life Annuity payment
option.
2. Important Information About ABC Corp Retirement
Plan – Information about your account, such as the vested
percentage.
3. C
ash Balance Information – A summary of your
Cash Balance account:
a) Balance at the end of the reporting period
4. Y
our Personal Information – Provides key data about you
currently on file.
5. Y
our Beneficiary Information – Information about the
beneficiary who would receive your Cash Balance benefit in
the event of your death.
6. S
ocial Security Benefit Information – Where you can
learn more about your estimated Social Security Benefit at
your full Social Security retirement age.
7. Important Information About Your Retirement Plan –
Reminders and information that may be of interest to you.
b) V
ested Balance, which you are entitled to take with you if
you terminate employment
c) P ay Credits accrued to your account during the reporting
period
d) Interest Credits accrued to your account during
the reporting period
17
Fund Performance Data
On your statement
Once a year your statement will include
performance data for all the funds
offered in your Plan. Here’s what you’ll
find:
1. Fund Names – Each fund and its
corresponding index, categorized by
investment objective.
2. Ticker Symbols – Symbol for each
fund (if applicable) for easy look-up.
3. Yearly Total Return Percentage
– Yearly return percentages for the
latest quarter and year-to-date.
Sampl
Investment detail
e
ABC Company
PARTICIPANT name
fund performance
CAPITAL PRESERVATION FUNDS Lower Risk/
Lower Potential Reward
B
C
GROWTH AND INCOME FUNDS GROWTH EQUITY FUNDS
invest in securities and bonds seek a combination of current that have the potential to earn income and capital appreciation.
steady income in the form of interest and dividends.
seek to increase the value
of your investment over
a number of years.
B
seek to maintain the money that you invest.
D
A
INCOME FUNDS a
C
D
3.
2.
Higher Risk/
Higher Potential Reward
4.
Yearly Total Return %
Average Annual Total Return %
Gross
For the
Year
Since
Symbol
Expense Ratio
Quarter
to Date
1 Year
5 Year
10 Year
Inception
Inception Date
1.CAPITAL PRESERVATION FUNDS
MONEY MARKET/STABLE VALUE
Fund Name
ABC
0.29
Index Name
1.92
-4.70
14.19
-8.63
19.79
-1.12
11.83
7.62
15.10
-1.32
N/A
N/A
N/A
N/A
Fund Name ABC
0.42
Index Name
5.39
-0.66
9.46
-1.69
20.63
18.28
17.52
9.52
12.00
8.58
N/A
N/A
N/A
N/A
Fund Name ABC
0.51
Index Name
0.51
31.47
9.50
18.89
20.35
31.10
3.27
10.84
-1.05
10.71
N/A
N/A
N/A
N/A
Fund Name ABC
0.39
Index Name 14.79
-22.74
18.71
-32.46
21.17
-28.27
23.49
17.61
N/A
11.46
N/A
N/A
N/A
N/A
INCOME FUNDS
FIXED INCOME/BONDS
4. Average Annual Total Return
Percentages – Includes average
annual total return percentages for one,
five and ten years (if available).
Fund Name ABC
0.87
Index Name
-3.66
-2.64
0.45
6.66
5.01
23.06
-0.25
14.86
10.26
14.36
N/A
N/A
N/A
N/A
Fund Name
ABC
0.67
Index Name
0.99
0.94
2.38
2.25
4.06
3.82
N/A
3.92
N/A
N/A
4.01
4.22
04/12/2004
07/01/2001
Fund Name
ABC
0.55
Index Name
-2.14
-1.24
4.36
3.49
18.53
N/A
19.21
N/A
15.95
N/A
N/A
3.80
12/31/2002
11/20/2006
18 |
ABC Company | FUND PERFORMANCE
0000000000000000000000000000000
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401(k) > Investments > Investment Choices & Performance
INVESTMENT CHOICES & PERFORMANCE
Printer-friendly Version
The performance data contained herein represents past performances, which does not guarantee future results. Investment return and
principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance
may be lower or higher than the performance data quoted.
All total returns assume the reinvestment of all dividend and capital gain distributions at net asset value when paid and do not reflect
the deduction of any sales charge, as these charges are not applicable to this plan. Had the sales charge been deducted, results would
have been lower than shown. Please note that there are other charges and expenses that apply to the investment options, such as
management fees, which are reflected in their net investment return.
Investment Choices
Average Annual Total Returns
Total Returns
Monthly View | Quarterly View
The choices shown below are the investments available through your retirement plan. You currently hold a balance in any investment with
an asterisk.
Click on the investment to view additional information. Place your mouse over the investment to view Redemption Fees.
“Show Only My Investments” will display information about funds for investment.
Show Benchmarks Results for Month Ending January 31, 2013
Funds
Show Only My Investments
Inception
Date
Gross
Expense
Ratio
1 Yr
3 Yrs
5 Yrs
10 Yrs
Since
Inception
EQUITY/STOCK
0.86%
9.49%
7.92%
4.98%
N/A
9.29%
11.14%
2.28%
3.15%
N/A
05/28/2002
0.70%
10.35%
8.51%
10.82%
N/A
3.52%
11.30%
7.89%
10.53%
4.08%
N/A
0.66%
13.69%
6.53%
4.94%
5.84%
3.46%
12.96%
6.26%
4.57%
5.74%
N/A
DEF Small Cap Fund
ABC Growth Fund
The performance information provided is for illustrative purposes only.
18
7.31%
06/07/2002
ABC Large Cap Value Fund
Lipper Large-Cap Value Funds Average
Lipper Small-Cap Core Funds Average
10/30/1992
Lipper Multi-Cap Growth Funds Average
Access Statements and More Online, Anytime
Review your statements online
Your newest statement is always available
on Benefits OnLine.
A new statement will be posted following
the end of each reporting period. It may also
be mailed to you at approximately that time.
For prior statements, click Account
Information under the 401(k) tab,
then Statements.
Choosing online delivery
You can also elect to receive your
statements exclusively online and
eliminate hardcopy mailings. You can
receive confirmations of transactions and
prospectuses exclusively online as well.
With Online Delivery, you receive an e-mail
with a link to Benefits OnLine whenever a
new document is available.
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— Select Quick Links —
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401(k) Plan > Account Information > Statements
Statements
Statements are typically available within ten business days from the end of your statement period.
Prior to taking a distribution, the IRS requires that you read and understand the 402(f) Tax Notice. If you intend to take a distribution within the next 90 days,
please read the Notice, and consult with your tax advisor should you have any questions.
Visit the Investment Choices & Performance page at any time to view prospectuses.
PDF
Start Date
End Date
2009-01-01
2009-12-31
Click on a pdf icon below to view your statement.
Start Date
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PDF
2013-07-01
2013-09-30
PDF
2013-04-01
2013-06-30
2013-01-01
2013-03-31
PDF
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• Follow the prompts to enter your
elections.
19
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© 2013 Bank of America Corporation. All rights reserved. | ARAY95WC | 00-63-1039NSB | 20131378-2 | 08/2013