Welcome to the Reliable Construction
Unlimited 401(k) Plan
401k Education and Enrollment
MAKE THE MOST OF YOUR RETIREMENT PLAN
Your employer's retirement plan is among the most effective ways to help you secure the future you deserve. Join Transamerica for an informative webinar covering:
• The attached plan summary document
• The importance of saving for retirement
• How your employer’s plan can help
• Plan features and service• How to enroll
• Resources available to you.
Watch this recorded webinar at any time. As part of our service, you can also schedule a no-cost, no-obligation appointment with a retirement planning consultant at a time convenient for you. An RPC can review your personal retirement strategy and answer any questions you may have.
https://register.gotowebinar.com/recording/3782821796878520067
How to enroll in the 401k:
Questions?
Questions on retirement and Social Security planning: (714) 415-2680, or schedule a call:
DOWNLOAD THE ENROLLMENT KIT TODAY
The above enrollment kit is a great reference, but Transamerica encourages all employees to register online at the link above.
About the Plan
Your retirement plan is an important benefit you shouldn't overlook. It offers a powerful way to enhance your long-term financial well-being by investing in yourself. This page includes great resources to get started.
Plan Assets are custodied by Transamerica.
The Financial Advisor for the plan is: Bradley Shammas, CFP®, CPFA.
- Eligible if:
- You must attain age 21, and
- You complete one (1) Year of Eligibility Service, provided that you are an
Eligible Employee on that date - Please see the plan documents for additional details*
- How much you can contribute:
- Up to 100% of your eligible pay*
- In 2026, up to $24,500/year, +$8,000/year if age 50 and over, or +$11,250 if ages 60-63.
- Employer Match
- Up to a 4% Match of your Plan Compensation
- Match formula: 100% of your deferrals up to 3% + 50% of your deferrals over 3% but that does not exceed 5%.
- i.e. to get the full 4% match takes a contribution of 5%
- Employee & Employer Match: 100%
- Employer match is automatically enrolled on Jan 1st and July 1st after one full year of service
- Employer Profit Sharing
- Your interest in your Employer Matching Contribution Account and Non-Elective Contribution Account will vest based on your Years of Vesting Service (defined below) in accordance with the following schedule:
- Less than Two Years 0%
- Two Years but less than Three Years 20%
- Three Years but less than Four Years 40%
- Four Years but less than Five Years 60%
- Five Years but less than Six Years 80%
- Six or More Years 100%*
- Your interest in your Employer Matching Contribution Account and Non-Elective Contribution Account will vest based on your Years of Vesting Service (defined below) in accordance with the following schedule:
Already registered for the 401k?
Your Guide to Retirement
The road to financial security in retirement begins with a clear understanding of the benefits of investing, smart financial practices, and professionally guided investments.
Why Start Today?
Starting your retirement savings now is essential to achieving your long-term financial goals. The power of compounding interest amplifies the value or your investments – allowing every dollar to accrue additional value through gained interest. Over time, that gained value begins to generate additional value, exponentially increasing the growth of your wealth. Simply put, small investments today can deliver big impact to your future financial well-being.
Information provided by Orion Portfolio Solution, OPS Retirement Simplified Clients 401k Plans
What kind of investor are you?
Designed Solution
We can build portfolios tailored to your specific needs and goals.
Relying on the expertise of your financial advisor can help make the most of your investments. Working to understand your financial goals, your advisor can take the stress out of investing, guiding you to strategies that are tailored to fit your unique needs.