Page 8 - Sonepar USA 401(k) Plan education guide

Manage your account
Account statements
You will receive a printed Plan account statement in the mail each quarter, unless you elect otherwise.
To sign up to receive your Plan account statement electronically, log in to workplace.schwab.com.
workplace.schwab.com
Save time and resources by viewing your Plan statements, reports, and transaction notifications online. Go paperless and stop receiving statements, reports, and transaction confirmations through the mail.
Participant Services
If you prefer to review your information and conduct transactions over the phone, Participant
Services Representatives are available between 7 a.m. and 11 p.m. ET, Monday through Friday, at 800-724-7526 or 877-905-2553 (español). When calling Participant Services for the first time, you may be asked to provide your date of hire as part of the authentication process.
Online chat
The live chat feature lets you quickly reach a Participant Services Representative online. To start a chat session,
log in to workplace.schwab.com and click the Live Chat link. Chat is available between 9:30 a.m. and 7:30 p.m. ET, Monday through Friday.
Account security
Keep your financial information confidential. Don’t share identifying data, such as your account number, login ID, password, or PIN. Keep this information in a secure location. Avoid using the same password for multiple accounts, and change your password at least every six months. For more information, go to schwab.com/schwabsafe.
Schwab Workplace Retirement app
Manage your retirement plan from anywhere. With the Schwab Workplace Retirement app, you can enroll in the Plan, check your account balance, monitor your personal performance, change your contribution elections, set up investment instructions for future contributions,
and more. Download the mobile app at workplace.schwab.com/mobile.
http://workplace.schwab.com/mobile
1 Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and your mobile connection limitations. Functionality may vary by operating system and/or device.
2 This investment option is a separate account and is not a registered investment company product.
3 This investment option is a collective trust fund and is not a registered investment company product.
4 Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC, www.sipc.org), a registered broker-
dealer, as part of the Plan, with Plan recordkeeping services provided by Schwab Retirement Plan Services, Inc.
5 Retirement plan investment advice is formulated and provided by Morningstar Investment Management LLC through Morningstar® Retirement ManagerSM, which is offered by Morningstar, Inc. and is intended for citizens or legal residents of the United States or its territories. Morningstar Investment Management LLC, an independent registered investment adviser and subsidiary of Morningstar, Inc., is not affiliated with or an agent of Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; Schwab Retirement Plan Services, Inc.(SRPS); or any of their affiliates. Morningstar Retirement Manager is available
to participants enrolled in plans that use the recordkeeping and related services of SRPS. Participant access to Morningstar Retirement Manager is facilitated through CS&Co. Neither CS&Co., SRPS, nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the advice provided to participants by Morningstar Investment Management. The Morningstar name and logo are registered marks of Morningstar, Inc. There is no additional cost for Morningstar Retirement Manager outside of the standard fees paid to SRPS and CS&Co. for recordkeeping and related services, including fees paid to Charles Schwab Bank.
6 Schwab Retirement Planner® provides participants with a retirement savings and investment strategy, a major component of which is a discretionary investment management service furnished by Morningstar Investment Management LLC, an independent registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management creates discretionary managed portfolios based on human capital methodology using investment alternatives available in the plan. These investment alternatives have been selected by an appropriate plan fiduciary specifically for use in the managed account. Other investment options may be available in the core lineup that are not included in the managed account. For a complete list of the investments which are available under your plan, visit workplace.schwab.com, click on History & Statements and view the last annual Fee and Investment Notice and
any subsequent Change Notices. Morningstar Investment Management is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; or their affiliates. Neither CS&Co., SRPS, nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the services provided to participants by Morningstar Investment Management. Schwab Advice Consultants, who are not employees of Morningstar Investment Management, facilitate participant access to the Morningstar Investment Management services, but do not provide investment advice or recommendations regarding the Morningstar Investment Management services or generally as part of Schwab Retirement Planner. Use of the term “personalized” in the context of the Schwab Retirement Planner service (“service”) refers to the savings and investment recommendations made by Morningstar Investment Management and personal data that may be provided by the participant which will form the basis for Morningstar Investment Management’s allocation of the participant’s account assets in one of the discretionary managed portfolios and will result
in a savings recommendation within the plan and outside of the plan. For plans that do not include a salary deferral feature, this fee-based service does
not include a savings recommendation within the plan; references to savings strategy, savings recommendation, and annual savings adjustments are not applicable to these plans. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. There is no guarantee a participant’s savings and investment strategy will provide adequate income at or through their retirement. Fees are charged for Schwab Retirement Planner, including its discretionary investment management service, based on the participant’s account balance. Participants should carefully consider information contained in the materials furnished at their employer’s direction regarding the services provided by SRPS and its affiliates and Morningstar Investment Management, including information regarding compensation, affiliations and potential conflicts. The Morningstar name and logo are registered marks of Morningstar, Inc.
Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrades, maintenance, or for other reasons.
If there is any discrepancy between the information in this guide and the official Plan Document, the terms of the Plan Document govern.
Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. Trust, custody, and deposit products and services are available through Charles Schwab Bank.
CC2372187 (1218-8POD) ELC104960SON-00 (12/18) 00220972
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