I n v es t m e n t C h a ng e N ot i c e Retirement Plan Name: DONALD L. MOONEY ENTERPRISES, LLC 401(K) PLAN Plan Number: 229644 Notice Creation Date: February 21, 2019 We offer a retirement plan to help you save for retirement. Our goal is to provide a competitive program that allows you to develop an individual investment strategy. To help accomplish this, we regularly monitor and review the investment options Our review takes into account a range of factors including, but not limited to, fund performance, asset mix, size, strategy, and expenses. As a result of our review and monitoring process, we’re pleased to announce upcoming enhancements to the T he e ff ec t i v e da t e o f t he i n v es tm ent ch a n g e s w il l t a k e p l ace on A p r i l 01, 2 0 19 . 1 | P a g e
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Microsoft Word - 2019.04.01 Participant Investment Change ...€¦ · Web viewcontributions to any of the impacted funds will automatically transfer to the new investment options
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I n v es t m e n t C h a ng e N ot i c e
Retirement Plan Name: DONALD L. MOONEY ENTERPRISES, LLC 401(K) PLANPlan Number: 229644Notice Creation Date: February 21, 2019
We offer a retirement plan to help you save for retirement. Our goal is to provide a competitive programthat allows you to develop an individual investment strategy. To help accomplish this, we regularly monitor and review the investment options offered in the plan.Our review takes into account a range of factors including, but not limited to, fund performance, assetmix, size, strategy, and expenses. As a result of our review and monitoring process, we’re pleased to announce upcoming enhancements to the plan’s investment lineup.The effective date of the investment changes will take place on April 01, 2019.
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Investment Options AddedThe following investment options will be added to your plan:
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Investment Name TickerBlackRock Inflation Protected Bond K BPLBX
iShares MSCI EAFE Intl Index K BTMKXCohen & Steers Real Estate Secs Z CSZIXDFA U.S. Targeted Value Portfolio I DFFVX
DFA World ex US Government Fxd Inc Instl DWFIXFidelity Advisor Total Bond Z FBKWXFidelity Mid Cap Index Fund FSMDX
Fidelity Small Cap Index Fund FSSNXGoldman Sachs Em Mkts Eq Insights R6 GERUX
Hartford MidCap R6 HFMVXIvy International Core Equity N IINCX
JPMorgan U.S. Small Company R6 JUSMXLord Abbett High Yield R6 LHYVX
MFS Mid Cap Value Fund Class R6 MVCKXOakmark Institutional OANMX
Federated MDT Small Cap Growth R6 QLSGXAmerican Funds US Government Sec R6 RGVGXAmerican Funds American Balanced R6 RLBGX
T. Rowe Price Blue Chip Growth I TBCIXT. Rowe Price Retirement I 2020 I TRBRXT. Rowe Price Retirement I 2015 I TRFGXT. Rowe Price Retirement I 2010 I TRPAXT. Rowe Price Retirement I 2030 I TRPCXT. Rowe Price Retirement I 2040 I TRPDXT. Rowe Price Retirement I 2005 I TRPFXT. Rowe Price Retirement I 2025 I TRPHXT. Rowe Price Retirement I 2035 I TRPJXT. Rowe Price Retirement I 2045 I TRPKXT. Rowe Price Retirement I 2060 I TRPLXT. Rowe Price Retirement I 2050 I TRPMXT. Rowe Price Retirement I 2055 I TRPNX
Vanguard Equity Income Adm VEIRXVanguard 500 Index Adm VFIAX
Vanguard Strategic Equity Inv VSEQX
Investment options removedThe following investment options will no longer be available through your plan:
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Investment Name TickerAmerican Century Real Estate A AREEX
Columbia Balanced A CBLAXDelaware Emerging Markets A DEMAX
Columbia Global Energy & Natural Res A EENAXEaton Vance High Income Opportunities A ETHIX
Nuveen Small Cap Value Fund A FSCAXNationwide Bond Index A GBIAX
Nationwide International Index A GIIAXNationwide Small Cap Index A GMRAXNationwide S&P 500 Index A GRMAX
Goldman Sachs Small Cap Value A GSSMXHartford International Opportunities R4 IHOSX
(CL) JPMorgan SmartRetirement 2060 A JAKAXJPMorgan SmartRetirement 2055 A JFFAXJPMorgan SmartRetirement 2025 A JNSAXJPMorgan SmartRetirement 2045 A JSAAXJPMorgan SmartRetirement 2030 A JSMAX
JPMorgan SmartRetirement Income A JSRAXJPMorgan SmartRetirement 2050 A JTSAXJPMorgan SmartRetirement 2020 A JTTAX
Columbia Contrarian Core A LCCAXMFS Mid Cap Value R3 MVCHX
Nationwide Inflation-Protected Secs A NIFAXJPMorgan Equity Income A OIEIXMFS Mid Cap Growth R3 OTCHX
Pioneer Bond A PIOBXFederated MDT Small Cap Growth A QASGXJPMorgan SmartRetirement 2040 A SMTAX
Alger Spectra A SPECXJPMorgan SmartRetirement 2035 A SRJAX
Fund MappingSome of the current investments need to be mapped to a new investment, meaning we will transfer any money that you have in the funds listed below in the Current Investment column to those listed in the New Investment column unless you instruct us otherwise.
If you have a balance invested in any of the impacted funds, your entire balance in the currentinvestment will transfer to the new investment option in one lump sum on April 01, 2019. You may move/transfer all or part of your balance in any of these funds, as usual, until 4:00 PM Eastern Time on March 28, 2019 or after the transfer is complete. If the funds being mapped are part of a model, they will be replaced with the new investment option in the below grid.
Additionally, unless you change your investment elections before the fund is replaced, your futurecontributions to any of the impacted funds will automatically transfer to the new investment options or share class on April 01, 2019. The new investment options will begin accepting contributions andchanges on March 28, 2019.
This is called a blackout period. You will be able to access your online account to view youraccount balance at any time throughout this process.
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You cannot make any investment changes to your entire account from March 28, 2019 through 01, This is called a blackout period. You will be able to access your online account to view yo
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Current Investment Current Ticker New Investment New TickerAmerican Century Real Estate
A AREEX Cohen & Steers Real Estate SecsZ CSZIX
Columbia Balanced A CBLAX American Funds AmericanBalanced R6 RLBGX
Delaware Emerging Markets A DEMAX Goldman Sachs Em Mkts EqInsights R6 GERUX
Columbia Global Energy & Natural Res A EENAX Vanguard Equity Income Adm VEIRX
Eaton Vance High IncomeOpportunities A ETHIX Lord Abbett High Yield R6 LHYVX
Nuveen Small Cap Value FundA FSCAX DFA U.S. Targeted Value Portfolio
I DFFVX
Nationwide Bond Index A GBIAX Fidelity Advisor Total Bond Z FBKWXNationwide International Index
A GIIAX iShares MSCI EAFE Intl Index K BTMKX
Nationwide Small Cap Index A GMRAX Fidelity Small Cap Index Fund FSSNXNationwide S&P 500 Index A GRMAX Vanguard 500 Index Adm VFIAXGoldman Sachs Small Cap
Value A GSSMX JPMorgan U.S. Small CompanyR6 JUSMX
Hartford InternationalOpportunities R4 IHOSX Ivy International Core Equity N IINCX
(CL) JPMorganSmartRetirement 2060 A JAKAX T. Rowe Price Retirement I 2060 I TRPLX
JPMorgan SmartRetirement2055 A JFFAX T. Rowe Price Retirement I 2055 I TRPNX
JPMorgan SmartRetirement2025 A JNSAX T. Rowe Price Retirement I 2025 I TRPHX
JPMorgan SmartRetirement2045 A JSAAX T. Rowe Price Retirement I 2045 I TRPKX
JPMorgan SmartRetirement2030 A JSMAX T. Rowe Price Retirement I 2030 I TRPCX
JPMorgan SmartRetirementIncome A JSRAX T. Rowe Price Retirement I 2005 I TRPFX
JPMorgan SmartRetirement2050 A JTSAX T. Rowe Price Retirement I 2050 I TRPMX
JPMorgan SmartRetirement2020 A JTTAX T. Rowe Price Retirement I 2020 I TRBRX
Columbia Contrarian Core A LCCAX Oakmark Institutional OANMX
MFS Mid Cap Value R3 MVCHX MFS Mid Cap Value Fund ClassR6 MVCKX
Nationwide Inflation-ProtectedSecs A NIFAX BlackRock Inflation Protected
Bond K BPLBX
JPMorgan Equity Income A OIEIX Vanguard Equity Income Adm VEIRXMFS Mid Cap Growth R3 OTCHX Hartford MidCap R6 HFMVX
Pioneer Bond A PIOBX Fidelity Advisor Total Bond Z FBKWXFederated MDT Small Cap
Growth A QASGX Federated MDT Small Cap GrowthR6 QLSGX
JPMorgan SmartRetirement2040 A SMTAX T. Rowe Price Retirement I 2040 I TRPDX
Alger Spectra A SPECX T. Rowe Price Blue Chip Growth I TBCIXJPMorgan SmartRetirement
2035 A SRJAX T. Rowe Price Retirement I 2035 I TRPJX
Sales
$1,000
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Fees and Expenses
Investment Name (Redemption fees and trading restrictions if applicable)
Ticker
Total Annual NetOperating Expense Sub-
Transfer Agency Fee1
12(b)-1 or Solicitation Fee1
Maximum Sales Charge
Deferred
ChargeAs a % Per
Equity InvestmentsJPMorgan Equity Income A OIEIX 1.01% $10.10 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).Alger Spectra A SPECX 1.28% $12.80 0.25% 0.25% N/A N/AAmerican Century RealEstate A
AREEX 1.40% $14.00 0.25% 0.25% N/A N/A
Cohen & Steers Real EstateSecs Z
CSZIX 0.80% $8.00 N/A N/A N/A N/A
Columbia Contrarian Core A LCCAX 1.02% $10.20 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 28 day(s).Columbia Global Energy & Natural Res A
EENAX 1.32% $13.20 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 28 day(s).Delaware Emerging MarketsA
DEMAX 1.66% $16.60 0.25% 0.25% N/A N/A
DFA U.S. Targeted ValuePortfolio I
DFFVX 0.37% $3.70 N/A N/A N/A N/A
Trading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Round Trip of $25,000.00 or more within a period of 30 day(s).Federated MDT Small CapGrowth A
QASGX 1.14% $11.40 0.25% 0.00% N/A N/A
Federated MDT Small CapGrowth R6
QLSGX 0.88% $8.80 N/A N/A N/A N/A
Fidelity Mid Cap Index Fund FSMDX 0.03% $0.30 N/A N/A N/A N/AFidelity Small Cap Index Fund FSSNX 0.03% $0.30 N/A N/A N/A N/AGoldman Sachs Em Mkts EqInsights R6
GERUX 1.08% $10.80 N/A N/A N/A N/A
Trading Restrictions: Holding period of 365 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 90 day(s).Goldman Sachs Small CapValue A
GSSMX 1.33% $13.30 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 365 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 90 day(s).Hartford InternationalOpportunities R4
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).
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MFS Mid Cap Growth R3 OTCHX 1.13% $11.30 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Transfer Out of $15,000.00 or more within a period of 90 day(s).MFS Mid Cap Value FundClass R6
MVCKX 0.69% $6.90 N/A N/A N/A N/A
Trading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Transfer Out of $15,000.00 or more within a period of 90 day(s).MFS Mid Cap Value R3 MVCHX 1.08% $10.80 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Transfer Out of $15,000.00 or more within a period of 90 day(s).Nationwide InternationalIndex A
GIIAX 0.71% $7.10 0.25% 0.25% N/A N/A
Nationwide S&P 500 Index A GRMAX 0.59% $5.90 0.25% 0.25% N/A N/ANationwide Small Cap IndexA
GMRAX 0.67% $6.70 0.25% 0.25% N/A N/A
Nuveen Small Cap ValueFund A
FSCAX 1.20% $12.00 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 999 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 60 day(s).Oakmark Institutional OANMX 0.70% $7.00 N/A N/A N/A N/AT. Rowe Price Blue ChipGrowth I
TBCIX 0.57% $5.70 N/A N/A N/A N/A
Vanguard 500 Index Adm VFIAX 0.04% $0.40 N/A N/A N/A N/ATrading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $0.01 or more within a period of 1 day(s).Vanguard Equity Income Adm VEIRX 0.18% $1.80 N/A N/A N/A N/ATrading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $0.01 or more within a period of 1 day(s).Vanguard Strategic Equity Inv VSEQX 0.17% $1.70 N/A N/A N/A N/ATrading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $0.01 or more within a period of 1 day(s).Bond InvestmentsAmerican Funds US Government Sec R6
RGVGX 0.27% $2.70 N/A N/A N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).BlackRock Inflation ProtectedBond K
BPLBX 0.34% $3.40 N/A N/A N/A N/A
DFA World ex US Government Fxd Inc Instl
DWFIX 0.20% $2.00 N/A N/A N/A N/A
Trading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Round Trip of $25,000.00 or more within a period of 30 day(s).Eaton Vance High IncomeOpportunities A
ETHIX 0.87% $8.70 0.25% 0.25% N/A N/A
Fidelity Advisor Total Bond Z FBKWX 0.36% $3.60 N/A N/A N/A N/ALord Abbett High Yield R6 LHYVX 0.60% $6.00 N/A N/A N/A N/ANationwide Bond Index A GBIAX 0.67% $6.70 0.25% 0.25% N/A N/ANationwide Inflation-ProtectedSecs A
NIFAX 0.58% $5.80 0.25% 0.25% N/A N/A
Pioneer Bond A PIOBX 0.85% $8.50 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 30 day(s).Other InvestmentsJPMorgan SmartRetirement2060 A
JAKAX 0.88% $8.80 0.25% 0.25% N/A N/A
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Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 30 day(s).American Funds AmericanBalanced R6
RLBGX 0.28% $2.80 N/A N/A N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).Columbia Balanced A CBLAX 0.95% $9.50 0.25% 0.25% N/A N/ATrading Restrictions: Holding period of 90 day(s) enforced on transfer IN transactions after 2 Round Trip of $0.01 or more within a period of 28 day(s).JPMorgan SmartRetirement2020 A
JTTAX 0.81% $8.10 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2025 A
JNSAX 0.85% $8.50 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2030 A
JSMAX 0.86% $8.60 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2035 A
SRJAX 0.87% $8.70 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2040 A
SMTAX 0.88% $8.80 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2045 A
JSAAX 0.89% $8.90 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2050 A
JTSAX 0.88% $8.80 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirement2055 A
JFFAX 0.88% $8.80 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).JPMorgan SmartRetirementIncome A
JSRAX 0.73% $7.30 0.25% 0.25% N/A N/A
Trading Restrictions: Holding period of 30 day(s) enforced on transfer IN transactions after 1 Transfer Out of $5,000.00 or more within a period of 1 day(s).T. Rowe Price Retirement I2005 I
TRPFX 0.40% $4.00 N/A N/A N/A N/A
T. Rowe Price Retirement I2010 I
TRPAX 0.39% $3.90 N/A N/A N/A N/A
T. Rowe Price Retirement I2015 I
TRFGX 0.43% $4.30 N/A N/A N/A N/A
T. Rowe Price Retirement I2020 I
TRBRX 0.47% $4.70 N/A N/A N/A N/A
T. Rowe Price Retirement I2025 I
TRPHX 0.50% $5.00 N/A N/A N/A N/A
T. Rowe Price Retirement I2030 I
TRPCX 0.53% $5.30 N/A N/A N/A N/A
T. Rowe Price Retirement I2035 I
TRPJX 0.56% $5.60 N/A N/A N/A N/A
1 Included in the investment's net expense ratio above and does not increase the cost of the investment. Sub-transfer agency fees (which may be called shareholder service fees, revenue sharing or other terms) are paid by the investment to your Service Provider for services that your Service Provider provides to the investment, including processing the purchase and redemption of shares and participant- level recordkeeping. This compensation is payable to recognize the reduction in cost to the investments for work performed by your Service Provider. The compensation paid by the investment is based on either a percentage of the average net asset value of shares invested in the investment, or a fee per each participant account that invests in the investment, as listed above.
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T. Rowe Price Retirement I2040 I
TRPDX 0.58% $5.80 N/A N/A N/A N/A
T. Rowe Price Retirement I2045 I
TRPKX 0.59% $5.90 N/A N/A N/A N/A
T. Rowe Price Retirement I2050 I
TRPMX 0.59% $5.90 N/A N/A N/A N/A
T. Rowe Price Retirement I2055 I
TRPNX 0.59% $5.90 N/A N/A N/A N/A
T. Rowe Price Retirement I2060 I
TRPLX 0.59% $5.90 N/A N/A N/A N/A
Inception
3.11% 8.35% 2.89%12.58%
14.24%
-3.33% 4.58% -0.82%13.00%
TR
4.77% 9.66% 6.80%14.24%
3.11% 8.35% 3.41%12.58%
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Investment ReturnsInvestment NameInvestment TypeWebsite for More Information
Average Annual Total Return as of01/31/2019 Benchmark
Questions?If you have any questions regarding the upcoming changes, please contact me at 210-566-9995 or Y M C I N T YRE@NURSE S E T C . N E T , ERE I M ER@ D M OO NEY LL C . C O M . Additional investment information and prospectuses for the funds in the DONALD L. MOONEY ENTERPRISES, LLC 401(K) PLAN are available at https://myaccount.ascensus.com/bbt.
Sincerely,
YOLANDA MCINTYRE
ELEASHA REIMER
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T. Rowe Price Retirement I2060 I Target Dateww w .tr o w ep r ice . c o m
-4.73% N/A N/A 10.77% -5.42% 6.64% 12.00% 10.47%
Morningstar Lifetime Mod 2060 TR USD
T. Rowe Price Retirement I2050 I Target Date ww w .tr o w ep r ice . c o m
-4.75% N/A N/A 10.86% -5.16% 6.80% 12.07% 10.52%
Morningstar Lifetime Mod 2050 TR USD
T. Rowe Price Retirement I2055 I Target Date ww w .tr o w ep r ice . c o m