[et_pb_section fb_built="1" fullwidth="on" _builder_version="4.16" custom_padding="0|0px|0|0px|false|false" global_colors_info="{}"][et_pb_fullwidth_header subhead="Ingram 401(k) Plan" background_overlay_color="rgba(255,255,255,0)" content_max_width="99%" content_max_width_tablet="70%" content_max_width_phone="74%" content_max_width_last_edited="on|phone" _builder_version="4.16" title_font_size="16px" title_letter_spacing="2px" title_line_height="1.2em" subhead_text_color="#48484a" subhead_font_size="48px" subhead_line_height="1.1em" background_color="#ffffff" use_background_color_gradient="on" background_color_gradient_direction="90deg" background_color_gradient_stops="rgba(255,255,255,0.6) 0%|rgba(255,255,255,0) 76%" background_color_gradient_overlays_image="on" background_color_gradient_start="rgba(255,255,255,0.6)" background_color_gradient_end="rgba(255,255,255,0)" background_color_gradient_end_position="76%" background_image="http://www.ingrambenefits.com/wp-content/uploads/2020/05/ingram-401k-header-052120.jpg" background_position="bottom_center" background_layout="light" custom_padding="7vw||7vw||true|false" custom_padding_tablet="" custom_padding_phone="3vw||3vw||true" custom_padding_last_edited="on|tablet" title_font_size_tablet="15px" title_font_size_phone="14px" title_font_size_last_edited="on|phone" subhead_font_size_tablet="37px" subhead_font_size_phone="30px" subhead_font_size_last_edited="on|desktop" custom_css_subtitle="font-weight: 700;" global_colors_info="{}" button_one_text_size__hover_enabled="off" button_two_text_size__hover_enabled="off" button_one_text_color__hover_enabled="off" button_two_text_color__hover_enabled="off" button_one_border_width__hover_enabled="off" button_two_border_width__hover_enabled="off" button_one_border_color__hover_enabled="off" button_two_border_color__hover_enabled="off" button_one_border_radius__hover_enabled="off" button_two_border_radius__hover_enabled="off" button_one_letter_spacing__hover_enabled="off" button_two_letter_spacing__hover_enabled="off" button_one_bg_color__hover_enabled="off" button_two_bg_color__hover_enabled="off"][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built="1" use_custom_gutter="on" gutter_width="2" specialty="on" padding_top_1="0px" padding_top_2="0px" padding_right_1="30px" padding_1_tablet="|15px||" padding_2_tablet="" padding_1_phone="|0px||" padding_2_phone="" padding_1_last_edited="on|desktop" padding_2_last_edited="on|desktop" module_class_1="basic_column_no_sideborder" custom_css_main_1="border-right: 2px dotted #d9d9d9;" _builder_version="4.16" global_colors_info="{}"][et_pb_column type="2_3" specialty_columns="2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_row_inner custom_padding_last_edited="on|phone" admin_label="Row" _builder_version="4.17.6" custom_margin="||||false|false" custom_padding="15px||38px||false|false" custom_padding_tablet="||14px|" custom_padding_phone="||0px|" global_colors_info="{}"][et_pb_column_inner saved_specialty_column_type="2_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text admin_label="Text - intro" _builder_version="4.17.6" text_font="|300|||||||" text_text_color="#48484a" text_font_size="24px" text_line_height="32px" custom_margin="||20px|" custom_padding="||10px||false|false" text_font_size_tablet="" text_font_size_phone="21px" text_font_size_last_edited="on|desktop" text_line_height_tablet="" text_line_height_phone="28px" text_line_height_last_edited="on|desktop" border_width_bottom="1px" border_color_bottom="#00529c" saved_tabs="all" global_colors_info="{}"]<p>Contributing to a 401(k) plan is one of the easiest ways to save and invest for your future.</p>[/et_pb_text][et_pb_text admin_label="Text - key features" _builder_version="4.17.6" header_3_text_color="#636466" global_colors_info="{}"]<h3>Key Features</h3>
<ul>
<li>You are automatically enrolled at a rate of 5%</li>
<li>You may change your contribution percentage or opt out at any time</li>
<li>You choose whether to make your contributions on a pre-tax or Roth 401(k) basis</li>
<li>Your contributions are deposited into a personal retirement account</li>
<li>You decide how the funds are invested</li>
<li>If no investment options are selected, your money will be invested in a life path fund based on your year of birth and the approximate date you will retire (the fund assumes your retirement date is age 65)</li>
</ul>[/et_pb_text][et_pb_text admin_label="Text - company match" _builder_version="4.17.6" header_3_text_color="#636466" global_colors_info="{}"]<h3>Company Matching Contributions</h3>
<p>Ingram matches 100% of the first 5% of eligible compensation you contribute to your 401(k) from day one.</p>[/et_pb_text][et_pb_text admin_label="Text - contributions" _builder_version="4.17.6" _module_preset="default" global_colors_info="{}"]<h3>Pre-tax vs. Roth 401(k) Contributions</h3>
<ul>
<li><strong>Pre-tax:</strong> Contributions are made before taxes are withheld, reducing the amount of federal income tax you pay</li>
<li><strong>Roth 401(k):</strong> An after-tax option in which the earnings on your investments grow tax-free, provided certain requirements are met</li>
</ul>[/et_pb_text][et_pb_text admin_label="Text - vesting" _builder_version="4.17.6" _module_preset="default" custom_margin="||||false|false" global_colors_info="{}"]<h3>Vesting</h3>
<p>Your contributions and earnings are always 100% vested. After two years of service, you will become 100% vested in the company matching contributions, meaning you own 100% of the funds in your 401(k).</p>[/et_pb_text][et_pb_image src="http://www.ingrambenefits.com/wp-content/uploads/2021/02/401k-vesting-schedule-3.jpg" title_text="401k-vesting-schedule-3" admin_label="Image - vested" _builder_version="4.16" _module_preset="default" global_colors_info="{}"][/et_pb_image][et_pb_text admin_label="Text - auto increase" _builder_version="4.17.6" _module_preset="default" header_3_text_color="#636466" custom_margin="||||false|false" global_colors_info="{}"]<h3>The Automatic Increase Program</h3>
<p>The Automatic Increase Program can help you take even more control over your financial future. While most associates are contributing at least 5% and will get the entire company match, we urge you to not stop there, but consider taking advantage of the automatic increase program to bump up your contribution rate by an affordable amount each year. You can choose to have your contributions automatically increase 1%, 2%, or 3% each year until you reach your plan’s automatic increase maximum of 15%.</p>
<p>To add automatic increase to your 401(k) simply log in to your account at <a href="https://myplan.johnhancock.com/" target="_blank" rel="noopener">myplan.johnhancock.com</a>, then select “My contributions” from the “Manage” tab. It’s that easy!</p>[/et_pb_text][et_pb_toggle title="Required Notices" open_toggle_text_color="#636466" open_toggle_background_color="#ffffff" closed_toggle_background_color="#FFFFFF" admin_label="Toggle - required notices" _builder_version="4.17.6" _module_preset="default" title_text_color="#636466" title_level="h4" custom_css_toggle_icon="font-size: 34px;" border_width_all="0px" global_colors_info="{}"]<p><strong>Ingram 401(k)</strong></p>
<ul>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/10/401k-Plan-Annual-Notice-Package.pdf" target="_blank" rel="noopener noreferrer">Ingram 401(k) Plan 2022 Annual Notices Package</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2020/01/Ingram-Marine-Group-Retirement-Plan-Fund-Fact-Sheet.pdf" target="_blank" rel="noopener noreferrer">Ingram 401(k) QDIA Notice </a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2021/06/SPD-06-01.pdf" target="_blank" rel="noopener noreferrer">Ingram 401(k) Plan SPD</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2021/06/Ingram-401k-Plan-SMM.pdf" target="_blank" rel="noopener">Ingram 401(k) Plan SMM</a></strong></li>
<li><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/04/Notice-to-Interested-Parties.pdf" target="_blank" rel="noopener"><strong>Ingram 401(k) Notice to Interested Parties</strong></a></li>
</ul>
<p><strong>Ingram Marine Group Retirement Plan</strong></p>
<ul>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/10/IMG-Plan-Annual-Notice-Package.pdf" target="_blank" rel="noopener noreferrer">Ingram Marine Group Retirement Plan 2022 Annual Notices Package</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2020/01/Ingram-Marine-Group-Retirement-Plan-Fund-Fact-Sheet.pdf" target="_blank" rel="noopener noreferrer">Ingram Marine Group Retirement Plan QDIA Notice </a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2020/06/IMG-SPD-6-20-.pdf" target="_blank" rel="noopener noreferrer">Ingram Marine Group Retirement Plan SPD</a></strong></li>
</ul>
<p><strong>Fund Change Notices</strong></p>
<ul>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2023/01/401k-Fund-Change-Notice.pdf" target="_blank" rel="noopener noreferrer">Ingram 401(k) Plan Fund Change Notice - 2023</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/01/401k-Plan-Participant-Fee-Change-Notification.pdf" target="_blank" rel="noopener">Ingram 401(k) Participant Fee Change Notification</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/01/IMG-Participant-Fee-Change-Notification.pdf" target="_blank" rel="noopener">Ingram Marine Group Participant Fee Change Notification</a></strong></li>
</ul>
<p><strong>Ingram Retirement Plan</strong></p>
<ul>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/04/Annual-Fundng-Notice-Ingram.pdf" target="_blank" rel="noopener">Ingram Retirement Plan Annual Funding Notice</a></strong></li>
<li><strong><a href="http://www.ingrambenefits.com/wp-content/uploads/2022/05/Ingram-Retirement-Plan-SPD.pdf" target="_blank" rel="noopener">Ingram Retirement Plan SPD</a></strong></li>
</ul>[/et_pb_toggle][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_image src="http://www.ingrambenefits.com/wp-content/uploads/2021/09/jh-app-icon.jpg" title_text="jh-app-icon" admin_label="Image" _builder_version="4.21.0" _module_preset="default" max_width="250px" max_height="125px" custom_margin="||20px||false|false" global_colors_info="{}"][/et_pb_image][et_pb_text admin_label="John Hancock Webinars" module_class="sidebar-list" _builder_version="4.21.0" text_font_size="15px" text_line_height="1.4em" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_align="center" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" header_4_text_color="#2F398F" header_5_line_height="1.2em" custom_margin="||||false|false" custom_padding="||||false|false" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|desktop" border_color_bottom="#d9d9d9" border_style_bottom="dotted" global_colors_info="{}"]<h4>John Hancock Webinars</h4>
<p>&nbsp;</p>[/et_pb_text][et_pb_button button_url="http://www.ingrambenefits.com/wp-content/uploads/2023/08/JH-webinars_FINAL.pdf" url_new_window="on" button_text="Learn More" _builder_version="4.21.0" _module_preset="default" custom_margin="-40px||||false|false" custom_padding="0px||||false|false" global_colors_info="{}"][/et_pb_button][et_pb_text admin_label="Text -- download the app" module_class="sidebar-list" _builder_version="4.17.6" text_font_size="15px" text_line_height="1.4em" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_align="center" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" header_4_text_color="#2F398F" header_5_line_height="1.2em" custom_margin="||0px|" custom_padding="||25px|" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|desktop" border_color_bottom="#d9d9d9" border_style_bottom="dotted" global_colors_info="{}"]<h4>Download the App</h4>
<p>The John Hancock mobile app will allow you seamless make retirement plan adjustments right from your fingertips!</p>
<p>The John Hancock app is available in the <a href="https://apps.apple.com/us/app/john-hancock-retirement/id1558846059"><strong>Apple App Store</strong></a> or <a href="https://play.google.com/store/apps/details?id=com.johnhancock.myplan&amp;hl=en_US&amp;gl=US"><strong>Google Play</strong></a>.</p>[/et_pb_text][et_pb_text admin_label="Text -- contact" module_class="sidebar-list" _builder_version="4.21.0" text_font_size="15px" text_line_height="1.4em" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_align="center" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" header_4_text_color="#2F398F" header_5_line_height="1.2em" custom_margin="||0px|" custom_padding="||25px||false|false" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|desktop" border_color_bottom="#d9d9d9" border_style_bottom="dotted" global_colors_info="{}"]<h4 style="padding-top: 0.5em; text-align: left;">Contact</h4>
<p><strong>John Hancock Retirement Plan Services</strong><br /><a href="https://myplan.johnhancock.com/login" target="_blank" rel="noopener">myplan.johnhancock.com</a> ​<br /><a href="tel:18002943575"><strong>800.294.3575</strong></a></p>
<p><strong>Ingram Pension &amp; 401(k) Department</strong><br /><a href="tel:18008767266"><strong>800.876.7266</strong></a></p>
<p><strong> </strong></p>[/et_pb_text][et_pb_text disabled_on="on|on|on" admin_label="Text -- make retirement plan" module_class="sidebar-list" _builder_version="4.21.0" text_font_size="15px" text_line_height="1.4em" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_align="center" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" header_4_text_color="#2F398F" header_5_line_height="1.2em" custom_margin="||0px|" custom_padding="||25px|" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|desktop" border_color_bottom="#d9d9d9" border_style_bottom="dotted" disabled="on" global_colors_info="{}"]<h4>Make Your Retirement Plan Work For You</h4>
<p>This workshop provides all the essential information you need to get the most from your Ingram 401(k).</p>[/et_pb_text][/et_pb_column][/et_pb_section]