Guiding you to retirement The MTR Gaming Group Retirement Plan

Information ahead
• Guiding you to retirement
• Transition details
• What you should do
• After the transition
• Where to go for more
information
• About Transamerica
Retirement Solutions
The MTR Gaming Group Retirement Plan is merging
into the Eldorado Resorts, Inc. 401(k) Plan.
We’re excited to help you plan for the retirement you’ve always wanted.
Eldorado Resorts, Inc. chose us because we’re dedicated to helping you from
the day you start saving to the day you call it a career—and every day after
that. This newsletter explains how the transition to Transamerica will work,
and how we can help you get retirement ready.
Si necesita ayuda en español, comuníquese con el servicio al cliente, al
1-800-755-5801.
Guiding you to retirement
Because your employer cares about your financial wellness, they’ll subscribe you to Transamerica’s comprehensive
retirement readiness solution: the Managed Advice® service.
It isn’t always easy to know if you’re saving enough, have chosen a good mix of investments—and if you’ll have
enough money when you retire. Managed Advice takes the hard work (and guesswork) of retirement planning
out of your hands.
Managed Advice is an innovative, comprehensive retirement planning solution that offers specific savings and
investing recommendations, and puts your plan into action automatically. Specifically, Managed Advice:
• Recommends an appropriate savings rate for you based on your personal profile.
• Invests your account based on your time horizon and risk preference.
• Rebalances your portfolio quarterly to maintain your mix.
• Lets you track your progress toward your goals in real time, and provides annual retirement readiness check-ups.
• Gives you access to advice from qualified retirement counselors.
Eldorado Resorts, Inc. 401(k) Plan
An affordable solution
The annual fee for the service is 0.25% of your
Managed Advice balance, deducted monthly—or only
about $2.08 per month for every $10,000 in your
account. (Any fees charged by the funds in which you
invest will still apply.)
Automatic sign-up
Your account will be subscribed to Managed Advice automatically.
When your account is set up through the service, Managed Advice will
build a portfolio for you, based on an expected retirement at age 65 and a
“moderate” risk preference (you can change either setting at any time). The
service automatically rebalances your account to become more conservative over
time so that you have an appropriately diversified investment mix for today and tomorrow.
If you feel Managed Advice isn’t right for you, you can cancel the service between December 14 and December 30,
2015 (or after the transition is over) at eldorado.trsretire.com or by calling 844-622-2133 (toll-free).
Your Managed Advice retirement counselor team
With Managed Advice, you’ll have a retirement counselor/access to a team of retirement
counselors who can help you set sound goals, explain how to reach them—and put your
plan into action.
You can talk with anyone on the Managed Advice retirement counselor team by calling
844-622-2133.
Your Managed Advice® counselor is an investment advisor representative of Transamerica
Retirement Advisors, LLC, registered investment advisor.
2
Transition details
When will my plan move to Transamerica?
Plan assets and records will transfer to Transamerica on January 4, 2016. Your first
contribution to your new retirement plan account with Transamerica will be taken from
the last payroll in December.
How will the transition work?
The merger and transition to Transamerica will be as easy as possible for you. You don’t
need to re-enroll or complete any paperwork. Your balance and loans will transfer
automatically, and you’ll continue saving for retirement without interruption.
Will my funds change? How will they transfer to Transamerica?
Your employer is changing your plan’s fund lineup. Your assets will transfer to a stable,
cash-equivalent investment before you are subscribed to the Managed Advice service,
which will adjust your investment mix after the transfer.
Can I access my account during the transition?
To ensure that assets and records transfer accurately, there will be a “blackout period”
during which you won’t be able to access either your account with Fidelity or your new
one with Transamerica. (This is standard procedure for updates to your retirement
plan.) Because you won’t be able to make changes to your account or initiate
transactions such as investment transfers, withdrawals, or loans during the blackout
period, you should carefully review the appropriateness, balance, and diversification of
your investments at Fidelity before the blackout period begins.
The blackout will start at 4:00 p.m. ET on December 31, 2015, and is expected to be
over the week ending January 29, 2016. Your account at Fidelity will be liquidated on
December 31, 2015, and transferred to Transamerica on January 4, 2016. While this
means that your account will not be invested on the day it transfers to Transamerica, it
will be fully invested the remainder of the time, and you will be credited with any
investment gains (or debited with any losses) that apply during the blackout period.
A note for investors in the Fidelity Managed Income Portfolio
The Fidelity Managed Income Portfolio has a special feature that limits transfer and
withdrawal activity. Because of this, current balances in the fund will remain at Fidelity
and stay invested in the Fidelity Managed Income Portfolio for a 12-month period.
Transfers in or out of this fund will no longer be permitted. However, you will still be
able to take withdrawals from the fund. At the end of the 12-month period, these
balances will transfer to Transamerica and be invested in the Goldman Sachs Stable
Value I Fund. Your balance in the Fidelity Managed Income Portfolio will be reported on
your Transamerica statement.
eldorado.trsretire.com
3
What you should do
Between December 14 and December 30, 2015, sign in at eldorado.trsretire.com or call 800-755-5801 to:
1. Review the Managed Advice service to make sure it’s right for you. Unless you choose otherwise,
you will be subscribed to Managed Advice automatically. If you’d rather set, manage, and monitor
your strategy on your own, you can cancel Managed Advice between December 14 and
December 30, 2015, or any time after your plan has moved to Transamerica.
For more information or to set up an appointment with a retirement counselor, visit the Managed
Advice tab at eldorado.trsretire.com or call the dedicated, toll-free, Managed Advice number:
844-622-2133.
2. Set up your account online. When you first sign in, you’ll be asked to provide some basic financial
information, such as your salary and any retirement savings you have outside the plan. This will give
you a better idea of how you’re doing today and what adjustments you may need to make for
tomorrow. You’ll also be prompted to provide your email address, which will enable us to send you
regular progress reports and other timely account information.
3. Name your beneficiary(ies). The beneficiary choices you made at Fidelity will not transfer, so you
should take a few minutes to designate a beneficiary(ies) with Transamerica. Otherwise, if you should
die, your plan’s rules will dictate where your account assets will go, which may not be what you’d
intended. (Note that if you’re married and name someone other than your spouse as a “primary”
beneficiary, you may need to complete and submit a spousal consent form.)
4. Review your investments. Once you set up your new account online, you can review your
investments, including any new investment that may have been added to the plan.
What if I receive recurring payments from the plan?
Fidelity will provide Transamerica with your payment
information, and your payments will continue after the
transition. If you are scheduled to receive a payment during
the blackout period, Transamerica will send it after the
blackout ends. (If you need to receive a payment sooner,
contact Fidelity before 4:00 p.m. ET on December 31, 2015.)
4
After the transition
When can I access my account?
We expect your blackout period and plan transition to be complete the week ending January
29, 2016. At that time you can start managing your account at eldorado.trsretire.com or by
calling 800-755-5801.
Will I receive account statements?
Yes. You will receive statements from both Transamerica and Fidelity to confirm that the
transition is complete. Transamerica will send you email alerts when your quarterly statements
and other account materials are available.
Where to go for more information
Fidelity
No action is required at Fidelity, but you can contact them to check your
account balance and make changes before the transition.
fidelity.com
800-343-3548
Transamerica
Visit us online during the transition to find out how the move works.
Once the transition is complete, sign in or call toll-free to manage your
account and take advantage of Managed Advice.
eldorado.trsretire.com
Customer Service: 800-755-5801
Managed Advice: 844-622-2133
Meet with Transamerica
To learn more about Transamerica and how we can help you meet your retirement goals, please
attend an upcoming meeting. You’ll receive a complete schedule soon.
eldorado.trsretire.com
5
About Transamerica Retirement Solutions
Transamerica Retirement Solutions is a full-service retirement plan provider who has worked
with retirement plans for more than 75 years, helping people save and invest wisely through
their employer-sponsored plans. Today, more than four million employees in organizations
across America save for retirement with us. No matter what kind of investor you are, we can
simplify your planning with the expertise and resources you need to reach your goals.
Managed Advice® provides you with an asset allocation mix of funds available within the plan.
The asset allocation mix will be automatically rebalanced to become more conservative over
time as you approach a designated retirement year. Additional fees and terms and conditions
apply to the Managed Advice® service. Retirement date portfolios are subject to the same risks
as the underlying assets in which they invest. The higher the portfolio’s allocation to stocks, the
greater the risk. The principal value of the portfolio is never guaranteed, including at and after
the target date.
Securities offered through Transamerica Investors Securities Corporation (TISC), 440
Mamaroneck Avenue, Harrison, NY 10528. The Managed Advice® service is offered through
Transamerica Retirement Advisors, LLC (TRA), registered investment advisor. Transamerica
Retirement Solutions, TISC, and TRA are affiliated companies, but are not affiliated with
Eldorado Resorts, Inc.
6
eldorado.trsretire.com
7
5542-PT_NL_MA_QDIALA_ER (11/15)
© 2015 Transamerica Retirement Solutions, LLC
News about your retirement plan’s
move to Transamerica Retirement Solutions
Eldorado Resorts, Inc. 401(k) Plan