As a plan sponsor, you’re responsible for notifying your employees and participants about important plan details, such as default investments, safe harbor plan provisions, automatic enrollment and blackout periods. Keeping track of all the different notification requirements can be challenging.
To help you, we have created sample notices that you can customize with your plan details. The sample notices are easy to edit and save as Microsoft® Word documents. The places where you need to make changes are clearly marked.
For example, you’ll see where to add your company name, specific dates and contact information. The samples show you where to select appropriate text based on your plan’s features and operational procedures.
Sample notice |
Description |
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This announcement introduces your new plan to employees. More details. |
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This letter is sent to the previous recordkeeper when a plan is transitioning to Capital Group. More details. |
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Blackout notice† |
These sample notices are for use with existing plans transitioning to Capital Group. More details. |
Use this notice if your plan is seeking relief from liability for participant investment losses by offering qualified default investment alternatives. More details. |
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Use this combined notice if your ADP/ACP safe harbor plan offers qualified default investment alternatives. More details. |
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Use this combined notice if your plan offers QDIAs along with automatic enrollment. Includes customizable language for ADP/ACP safe harbor plans. More details. |
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Participants in ADP/ACP safe harbor plans must receive an annual notice. More details. |
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This letter informs participants about a new employer match contribution or change to an existing employer match contribution for the plan. |
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Contribution limit letter with catch-up contributions* or without catch-up contributions* |
These letters inform participants about current contribution maximums. More details. |
Use this notice to notify terminating participants with vested balances greater than $7,000 of their options under Qualified Joint and Survivor Annuity (QJSA) provisions. |
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Use this notice to inform active participants of their benefit options under Qualified Pre-Retirement Survivor Annuity (QPSA) provisions. |
* Not a required notice.
† Notices will be customized for you by Capital Group. Exceptions may apply.
Have us create and deliver your plan notices automatically, or submit your notices for us to mail to participants. Learn more.
Contact your Retirement Plan Coordinator to find out more about using these sample notices.