We are pleased to offer you a 403(b) plan to help you save for your future retirement on a tax sheltered basis. This is a good time to consider supplementing your retirement savings by enrolling in the 403(b) plan. Enclosed is a paper titled “Important Benefit Information Regarding Your 403(b) Plan”, which provides some general information. We are enclosing the Approved 403(b) Plan Vendor List which contains a complete list of the approved vendors and their investment products as well as their financial advisor’s contact information. The list also includes vendors who are only approved to receive contract exchanges from other vendors under the 403(b) Plan maintained by the Middleton-Cross Plains Area School District. The list of approved vendors can also be found on the CPI Participant Website at www.cpicrs.com. In order to enroll in the plan, you will need to review the information on the Approved 403(b) Plan Vendor List and then contact the vendors to determine where you would like to invest your contributions. The financial advisor(s) will provide you with the form(s) that will set up the contract or account with the vendor. Once you complete the paperwork provided by your selected financial advisor(s) and have established an account you can use the website to make an election. The CPI Participant Website can be accessed 24 hours a day, 7 days a week. Enclosed is an instruction sheet, which outlines the features of the website and provides instructions for accessing the website. If you do not have access to the internet, please use the enclosed Elective Deferral and Vendor Election Form and return it to the address indicated on the instructions. In the future, to ensure that the requirements for loans and hardship withdrawals are met, you will need to obtain a voucher from CPI prior to receiving a loan or hardship withdrawal. The voucher can be obtained through the CPI Participant Website. This voucher will need to be provided to your vendor(s) along with their standard forms. The voucher is needed as it lets your vendors know that you have met the regulatory requirements. The voucher does not guarantee that a loan or hardship withdrawal can be made, as each vendor may apply additional restrictions, just that you have met the regulatory requirements to receive a loan or hardship withdrawal. Also, if you want to make a contract exchange in the future between vendors, you will need to obtain a voucher from CPI. The voucher can be obtained through the CPI Participant Website. If you do not have access to the internet, you can contact the CPI Participant Service Center at (877) 488-4040 to obtain a paper copy of a Voucher Request. If the contract exchange is approved, you will be provided with a voucher, which will need to be provided to the transferor vendor along with the vendors transfer request forms. It is important that a voucher is obtained before assets are transferred. Any transfer that is made that does not comply with the final regulations could cause the loss of the tax-qualified status of the money transferred to the vendor. If this happens, the money will become taxable to the participant. If you have any questions regarding this information, please contact the CPI Participant Service Center at (877) 488-4040, Monday thru Friday 7am-7pm central time, or send an email to Sincerely, Middleton-Cross Plains Area School District Notice to Eligible Employees of Opportunity to Make Elective Deferrals to the Middleton-Cross Plains Area School District 403(b) Retirement Plan December 2013 Ref No: 105879
You have the right to make elective deferrals to the Middleton-Cross Plains Area School District 403(b) Plan. Contributing to a 403(b) plan helps to ensure that you will have funds to provide yourself with an income during retirement. A 403(b) plan allows you to contribute a portion of your compensation on a pre-tax basis or as a Roth (after-tax) contribution in order to save for your retirement. Contributions are made to the plan by payroll deduction. If you are already contributing to the 403(b) Plan, you may want to increase your deduction.
What are the benefits of contributing to a 403(b) plan?
The pre-tax elective deferrals that you make to the plan now are not taxed until you withdraw them. This means you are
lowering your taxable income now, and will potentially lower the amount of income tax you will pay on those funds at the time of withdrawal when you may be in a lower tax bracket.
Both your pre-tax elective deferrals and earnings grow tax-free until they are withdrawn.
Roth (after-tax) contributions are made on an after-tax basis. However, the earnings grow tax free and will be distributed tax
free, if the distribution occurs after the end of the five year period that begins with the plan year in which the first contribution is made and the distribution occurs after you are age 59 ½, become disabled or die.
What do I need to do in order to start making elective deferrals?
You will need to make an election regarding how much of your compensation you wish to defer to the 403(b) plan - and whether you want to have this contributed on a pre-tax basis or as a Roth (after-tax) contribution. You will also need to determine where you want to invest your contributions. The list of approved vendor(s) and their contact information can be located by visiting the CPI Participant Website at www.cpicrs.com. This list can also be obtained by contacting the CPI Participant Service Center at (877) 488-4040 or [email protected]. The financial advisor representing each vendor will provide you with the forms that will set up the contract or account with the vendor. Once you have completed the paperwork provided by the selected financial advisor please access the CPI Participant Website at https://www.cpicrs.com to complete the election process.
If you are unable to access the website or want additional information, please contact the CPI Participant Service Center at (877) 488-4040 or email [email protected].
How much can I contribute to a 403(b) plan?
In 2014, you can make elective deferrals up to $17,500. As this amount is subject to cost of living increases as set by the government, this amount will increase over time. If you will be age 50 or older sometime during the 2014 calendar year, you are eligible to contribute an additional amount that is known as an “age 50 catch-up contribution”. The limit on the age 50 catch-up contributions is $5,500 and can be contributed on top of the deferral limit of $17,500. Consequently, participants eligible to make the age 50 catch-up contributions can contribute up to $23,000 to the 403(b) Plan for the 2014 calendar year.
In addition to the age 50 catch-up, if you have completed at least 15 years of service with Middleton-Cross Plains Area School District you may be eligible to contribute up to $3,000 a year above the elective deferral limit until the amount of the cumulative annual additional contributions made using this special rule equals $15,000. If you have 15 years of service with your employer and want to utilize this additional 15 year of service catch-up contribution no action is required now. Once you have exceeded $17,500 we will request additional information from you in order to determine the amount you are able to contribute to the 15 year of service catch-up. Participants who are eligible for both the age 50 catch-up rule and the 15 year of service catch-up contribution are required to use the 15 year of service catch-up contribution first.
CPI Common Remitter and Compliance Services will be closed on November 28th, November 29th, December 25th, January 1st, Good Friday, Memorial Day, July 4th, and Labor Day and we will be lightly staffed on December 24th and 31st.
For more information on enrolling in your 403(b) Plan, making changes to your current deferral or vendor elections, or any other questions or requests for information, please contact the CPI Participant Service Center at (877) 488-4040 from 7:00 a.m. to 7:00 p.m. Central time, Monday through Friday. You can also send an e-mail [email protected]. APPROVED 403(b) PLAN VENDOR LIST
Middleton-Cross Plains Area School District - 403(b) Plan
Middleton-Cross Plains Area School District
This list identifies the investment vendors available under the 403(b) plan maintained by Middleton-Cross Plains Area School District - 403(b), on or after the effective date of this list. The information can also be found on the CPI Participant Website. After you have logged onto the site using your User Name and Password, click on “Plan Contacts” near the top right of the screen. A new screen will appear that will contain the list of vendors. By clicking on the arrow to the left of the vendor’s name, you will be able to view the contact information. A. The following Vendors are authorized to receive contributions and contract exchanges between vendors under the 403(b)
Companies Thrivent Financial for Lutherans
CPI PARTICIPANT WEBSITE INSTRUCTIONS Middleton-Cross Plains Area School District 403(b) Plan
In order to bring our 403(b) plan services as close as your fingertips, we provide a Participant Website. The website features step by step instructions to guide you through all of the features and options. CPI makes it easy for you to:
Obtain vendor contact information
Make changes to the amount of your deferral elections
Request vouchers for loans and hardship withdrawals Request vouchers for contract exchanges The website is available 24 hours a day, 7 days a week. HOW TO GET STARTED To access the system for the fi. For prompt access, please have your six-digit plan reference number 105879, the last four digits of your social security number (SSN) and date of birth available. The first time you log onto the website, you will be required to choose a new user name other than the last four digits of your SSN. You will also be prompted to establish a password of your choosing. Once you have changed your user name and established a password, the Plan Contact feature will provide a list of all approved vendors as well as the financial advisors’ contact information. Under the Request a Transaction feature you will have access to:
Change Salary Deferral Contribution - Make a change to your election for future contribution amounts as well as
make changes to your current vendors. The Vendor Elections shown on the Website will be used until you change them through the website or by submitting an Elective Deferral and Vendor Election Form, which can be obtained by contacting the CPI Participant Service Center at (877) 488-4040 or by sending an e-mail to the website you will also have access to several retirement planning tools to assist you in deciding how much you should be deferring in order to meet your retirement goals.
Request a Loan and Hardship Withdrawal - Request a loan and hardship withdrawal from any of the approved
vendors for which you have invested contributions by requesting a voucher. This voucher is needed as it lets your vendors know that you have met the regulatory requirements. The voucher does not guarantee that a loan and hardship withdrawal can be made as each vendor may apply additional restrictions.
Request a Contract Exchange - Request a voucher to exchange your account balance to another approved vendor.
If your contract exchange between vendors is approved, you will be provided with a contract exchange voucher, which you will need to provide to the transferor vendor along with the vendor’s transfer request forms. It is important that before you exchange assets that you first obtain a voucher. Any contract exchange that is made that does not comply with the final regulations could cause the loss of the tax-qualified status of the money transferred to the vendor. If this happens, the money will become taxable to you.
You will need Version 6 or greater of Netscape Navigator or Version 5 or greater of Internet Explorer to access the website. Most people have at least one of these versions on their computer. If you do not have Internet access, have questions regarding the website, or want to make a request contact the Participant Service Center. PARTICIPANT SERVICE CENTER Participant Service Center (877) 488-4040, from 7 a.m. to 7 p.m. Central Time, Monday through Friday. You can also send an e-ma. For prompt assistance, please have your six-digit plan reference number 105879, the last four digits of your social security number and date of birth available. On-line Enrollment is Easy! Instructions on using the On-line Enrollment System
Before you enroll, you will need to log in to the website, select a User Name and Password. Log in to the Website - Log in to the Website at t time on the site you will
need to create a User Name and Password that is unique to you and confirm it. You will be given the option to provide a question and answer to be used as a hint, should you forget your Password at a later date. This is verified by using the last four digits from your social security number, your date of birth and the plan reference number 105879. If your employer has more than one plan with CPI, you will be asked to click on the name of the plan that you would like to access.
Review and Update Contact Information - The next screen will show you the mailing/home address we have on file
for you as well as an e-mail address if provided. You will be requested to correct and/or update this information, if needed. This address information will be provided to your employer in order to change their records. However, until this address information is updated in your employer’s payroll records, the contribution files provided by your employer will over-ride your changes temporarily.
After you finish with these preliminary screens, you will go to the Welcome to On-Line Enrollment screen. Click on “Enroll Now” to begin. Here are the Easy Steps to On-line Enrollment:
Step 1. – Provide a valid e-mail address— This will allow you to receive confirmation emails as well as other important
information on transactions you have requested. In addition, to expedite the process for receiving a voucher for hardship withdrawals, loans, and contract exchanges between vendors, it is important to have an e-mail address in our Website.
Step 2. – Use Retirement Planning Tools — You have the option to use these tools as little or as much as you wish
during the enrollment process. Using the Retirement Savings Calculator and Mastery POINT Financial Analyzer, you can project different rates of deferral to determine a hypothetical account balance at age 65 based on your personal factors (age, marital status, tax bracket, etc.).
Step 3. – Vendor Contracts — Please enter the account/contract number in the box(es) next to the vendor(s) for which
you have established an account. If an account has not yet been established, you cannot select the vendor at this time.
Step 4. – Salary Deferral Election — Select how much salary you wish to contribute by entering a deferral percentage
or dollar amount where indicated. This amount will automatically be deducted from your pay each pay period.
Step 5.– Vendor Election — Select how much you would like to invest in the available vendors by entering a
percentage or dollar election next to each vendor. Please keep in mind that you will first need to contact each vendor that you have selected in order to have your account set-up prior to completing this step.
Step 6.– Confirm Your Enrollment — On this screen, you can review your elections. If you wish to make changes, you
may select a previous screen from the menu on the left or click on “Previous Screen” until you arrive at the applicable screen. Once you are satisfied, you can select “Enroll Me” to complete the enrollment process or “Quit”, if you decide to enroll at a later date. If you select Quit, you will lose all of the information you have input and will need to start over.
Once you select Enroll Me, you will go to a confirmation screen that shows your elections. If you previously provided us with a valid email address we will send you a confirmation of this transaction for your records. Your email address can be updated at anytime through the Maintenance option found on the Website. When you are done, you can logout of the website. If you need assistance, you can call our Participant Service Center (877) 488-4040 from 7 a.m. to 7 p.m. Central Time, Monday through Friday. You can also send an e-mail to . For prompt assistance, please have your six-digit plan reference number 105879, the last four digits of your social security number and date of birth available.
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J Musculoskelet Neuronal Interact 2012; 12(3):136-143 Original Article Whole body vibration exercise improves body balance and walking velocity in postmenopausal osteoporotic women treated with alendronate: Galileo and Alendronate Intervention Trail (GAIT) J. Iwamoto1,2, Y. Sato3, T. Takeda1, H. Matsumoto1 1Institute for Integrated Sports Medicine, Keio University School of Me