Funds will be managed by Prudential Financial Services for maximum benefit to the employee (Prudential.com). Prudential offers a number of retirement products for employees to choose from and they have a proven track record for positive fund management.

In order to encourage long-term employment with the company, employees will not be fully vested in their contributions until they have been with the company for a full five years. The percentage of investiture will increase by 20% every year until the employee has reached the five-year mark. The amounts reflected in the represent the scenario where every employee is fully vested, with the company responsible for covering the entire amount.

Employees will be encouraged to begin aggressively saving for their retirement early. If employees in the investment age group contribute their maximum and the company must match its 5% then the contribution amount would be $74,937. This amount must set aside...
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