BUILDING

BUILDING
your retirement
Your retirement plan transition—what you need to know
Information ahead
• W
hy Diversified?
• F und information
Exciting 401(k) plan changes
are coming!
• T ransition details
On January 1, 2013, the 401(k) plan is changing (and improving)
in the following ways:
• A
fter the transition
• A new service provider, Diversified.
• W
here to go for more
information
• Company contributions made to your account every week!
• You will be able to make Roth contributions to the plan.
See the bottom of page 2 for more information.
Why Diversified?
Your retirement plan is our focus.
After careful research, McCarthy chose Diversified to become your plan’s new service provider
starting January 1, 2013.
Retirement plans are—and always have been—all Diversified does. This focus lets Diversified
dedicate their resources to helping you reach your savings goals. Today, over two million employees
working for organizations across America invest their retirement assets through Diversified.
No matter what kind of investor you are, Diversified can simplify your retirement planning with
the expertise and resources you need to reach a funded retirement.
Fund information
Will my funds change?
No. The current fund lineup will continue to be available at Diversified, and you will remain invested
in your current funds. If you would like to review the fund lineup, visit mccarthy.divinvest.com.
Transition details
When does my plan move to Diversified?
Plan assets and records will transfer to Diversified on January 2, 2013. Your first contribution to
your new Diversified account will be taken from the first payroll in January 2013.
How will the transition work?
The transition to Diversified will be as easy as possible for you, and you’ll continue saving for
retirement without interruption. Your current savings rate, investment options, assets, and any
outstanding loans will all automatically transfer to Diversified.
McCarthy Employee Retirement Savings Plan
Can I access my account during the transition?
No. To ensure that plan assets and records transfer accurately and in a timely manner, there will be
a “blackout period” during which you will not be able to access either your previous account with
Wells Fargo or your new one with Diversified. You also will be unable to initiate any transactions
such as investment transfers, withdrawals, or loans. Because of this, you should carefully review the
appropriateness, balance, and diversification of your investments since you won’t be able to modify
them during the blackout period.
Your account will remain fully invested during the blackout period, and you will continue to be credited
with any investment gains (and debited with any losses) that may apply.
Key dates
4:00 p.m. ET on December 14, 2012
You will no longer be able to submit loan and distribution paperwork to Wells Fargo.
4:00 p.m. ET on December 20, 2012
You will no longer be able to opt out of the plan’s automatic contribution increase
feature at Wells Fargo.
4:00 p.m. ET on December 21, 2012
You will no longer be able to request a loan or distribution online or over the
phone at Wells Fargo.
4:00 p.m. ET on December 24, 2012
You will no longer be able to make other changes to your account at Wells Fargo.
The week ending January 19, 2013
The blackout period will end during this week. Visit mccarthy.divinvest.com to
access your new account.
Designate a new beneficiary.
The beneficiary election you made at Wells Fargo will not transfer to
Diversified. Because it’s important to distribute your account the way
you choose in the event of your death, you should designate a new
beneficiary with Diversified. To do so, sign in at mccarthy.divinvest.com
once the transition is over. You might need spousal consent if you have
designated a primary beneficiary other than your spouse.
After the transition
When can I access my account?
The blackout period and transition should be over the week ending January 19, 2013. At that time
you can start managing your account at mccarthy.divinvest.com.
Will I receive account statements?
Yes. You will receive statements from both Diversified and Wells Fargo to confirm that the transition
is complete, and Diversified will send you an account activity statement each quarter. Also, you can
save paper by signing up for e-documents: automatic email alerts when your statements and other
account-related materials are available online.
Want to save a different way? Consider after-tax Roth contributions
Once the transition is over, you’ll be able to designate all or part of your contributions as after-tax
Roth contributions (compared to traditional contributions, which are pretax).
When you withdraw after-tax Roth contributions at retirement, you typically don’t pay taxes on
those contributions, unlike traditional pretax contributions. The flipside, though, is that after-tax
Roth contributions don’t reduce your current taxable income (pretax contributions do). Making Roth
contributions can diversify your tax risk and potentially enhance your after-tax savings in retirement,
but you should carefully consider whether they are appropriate for you.
2
BUILDING
your retirement
Things to do after the transition
1. Designate a new beneficiary.
2. Check your retirement outlook.
3. Make sure you’re saving enough (and save more if you can).
4. Review your investing strategy.
Once the transition is over, sign in at mccarthy.divinvest.com to designate a new
beneficiary, review your retirement outlook, and see if you’re on track toward meeting
your retirement savings goals. And if you’re not? Diversified has the tools and services
to help you get there.
Where to go for more information
Before the blackout period begins
No action is required at Wells Fargo, but you can
contact them to check your account balance and
make any changes before the transition. If you
want to opt out of the plan’s automatic contribution
increase feature at Wells Fargo, you need to do so
by 4:00 p.m. ET on December 20, 2012.
wellsfargo.com/retirementplan
800-728-3123
Before and during the blackout period
For information about the transition only
(no information is available about your account yet).
mccarthy.divinvest.com
After the transition is over
mccarthy.divinvest.com
800-755-5801
Check your balance, manage your account,
initiate transactions, and more.
Meet with Diversified
To learn more about Diversified and how we can help you meet your retirement savings goals,
please attend an upcoming educational meeting. You’ll receive a complete schedule soon.
Securities offered by Diversified Investors Securities Corp. (DISC), 440 Mamaroneck Avenue,
Harrison, N.Y. 10528. McCarthy has selected Diversified as your retirement plan provider, but
there are no other affiliations between McCarthy and Diversified or its affiliate, DISC.
Brighten your outlook.
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mccarthy.divinvest.com
3
440 Mamaroneck Avenue
Harrison, NY 10528
PT-5542-Map-McCarthy (11/12) © 2012 Diversified Retirement Corporation
BUILDING
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