Your employer, if required to make contributions to the Plan on your behalf based on a collective bargaining agreement or other written agreement, will contribute to the Plan based on the number of hours you work. You are not permitted to make contributions to the Plan.

Each month, contributions received by the Fund Office, are processed, reconciled and sent to the recordkeeper, John Hancock Retirement Plan Services. The recordkeeper will credit the contributions to your account and invest the money on your behalf based on your investment elections.

After your first contributions are sent to the recordkeeper, you will receive an Enrollment Kit in the mail. This includes information on how to set-up your account, planning tips and tools, information on the investment options, investment elections, etc. The kit also includes a Beneficiary Form. Be sure to complete the form and send it to the Fund Office for processing. You can also take a look at the Plan brochure.