A new service provider for Contra Costa CountyDeferred Compensation PlanThe Contra Costa County Deferred Compensation PlanCommittee recently announced that Empower Retirementwill replace MassMutual Retirement Services (MassMutual)as the provider handling administrative, recordkeeping,communication, investment and financial education servicesfor the Contra Costa County Deferred Compensation Plan.This transition will be effective on July 29, 2019.About EmpowerAfter a comprehensive selection process, the Contra CostaCounty Deferred Compensation Committee chose EmpowerRetirement as the company that offered the best fit for planparticipants. Empower is a member of the Great-West Familyof Companies,1 which has been providing financial servicessince 1891. Empower specializes in servicing definedcontribution retirement plans. Headquartered in GreenwoodVillage, Colorado, the company serves more than 9.1 millionretirement plan participants.2Be aware of the blackout periodTo help ensure an accurate transfer of assets and records fromMassMutual, there will be a blackout period during whichyou will not have access to your current account.However, the funds in your account will remain invested.The blackout period is scheduled to start at 1 p.m. Pacific timeJuly 19, 2019, for the self-directed brokerage account (SDBA)and July 23, 2019, for all other investments and transactions.The blackout period will end after the close of business on orabout August 9, 2019.3 Once the plan opens, an announcementwill be sent to all participants notifying you that the plan is nowlive with Empower.Your next steps Attend one of the scheduled group meetings or webinarslisted on page 2 to learn more about the enhancedservices available to you from Empower.upon its competitive fees, enhanced financial and retirement After the transition, visit the new website atwww.contracosta457.com and activate your newEmpower online account by clicking on the Register button.4planning education tools, online services and the support ofPlease carefully review this brochure for more information ondedicated Retirement Plan Advisors who can help answerthese changes.Empower was chosen as the new service provider basedyour questions. You can find more information atwww.empower-retirement.com.1
Transition timelineDATEEVENTDETAILSJune 26-July 24, 2019Transition meetings held (see details on page 2)Get additional information on the transition process and Empowerand answers to questions about managing your account.July 19, 2019SDBA blackout period beginsMake any transfers from Schwab before 1 p.m. Pacific time.July 23, 2019Blackout period for all other investments andtransactions beginsMake any transfers from MassMutual before 1 p.m. Pacific time.July 29, 2019Transition of assetsPlan accounts will automatically transfer to Empower.August 9, 2019Blackout period endsYou will be able to resume all account activities after close of business.October 2019Final quarterly statements from MassMutual sentMassMutual will send your final statement.October 2019First quarterly statement from Empower sentStatements will be delivered electronically with your full account balance.These dates and times are subject to change. Please see your plan representative for more information.Attend a meeting or webinarDuring these meetings, Empower will provide you with additional information about the new plan features and services. At thesemeetings, we will: Outline the details and important dates of the transition. Introduce your Retirement Plan Advisors. Discuss your new investment options. Answer your questions. Share information on how to manage your account.2DATELOCATIONTIMEMEETING TYPEJune 26, 2019Webinar11:30 a.m. - 12:30 p.m.Webinar*June 26, 2019Webinar12:30 p.m. - 1:30 p.m.Webinar*June 27, 2019Contra Costa County651 Pine Street, Suite 107 (Board Chambers), Martinez, CA 945536 p.m. - 7 p.m.GroupJuly 3, 2019Webinar11:30 a.m. - 12:30 p.m.Webinar*July 3, 2019Webinar12:30 p.m. - 1:30 p.m.Webinar*July 10, 2019Webinar11:30 a.m. - 12:30 p.m.Webinar*July 10, 2019Webinar12:30 p.m. - 1:30 p.m.Webinar*July 11, 2019Contra Costa County651 Pine Street, Suite 107 (Board Chambers), Martinez, CA 945536 p.m. - 7 p.m.GroupJuly 17, 2019Webinar11:30 a.m. - 12:30 p.m.Webinar*July 17, 2019Webinar12:30 p.m. - 1:30 p.m.Webinar*July 24, 2019Webinar11:30 a.m. - 12:30 p.m.Webinar*July 24, 2019Webinar12:30 p.m. - 1:30 p.m.Webinar**To register for a webinar, visit www.contracosta457.com. Note: If you’re unable to attend a webinar or group meeting, a pre-recorded webinar isavailable at www.contracosta457.com.
Investment fund mapping processHow your plan’s investment options willFund mapping is the process of transferring existingtransition to Empowerinvestment options to the same or similar options available inOn July 29, 2019, your current account balance and futurethe new fund menu. The mapping process matches currentcontributions will be transferred to Empower through anand new options based on fund strategy and objectives, riskautomatic process called fund mapping. The fund mappingprofile, holdings and long-term performance potential.approach was chosen by Contra Costa County and itsThe fund mapping chart below lists each current investmentinvestment consultant, Segal Marco Advisors.option and the corresponding new investment option.Your new, simplified investment lineupPRIOR INVESTMENT OPTIONMAPS TOMassMutual Guaranteed Interest Account Great-West Stable Value FundN/AJPMorgan US Gov't MM Great-West Stable Value FundN/ALoomis Sayles Bond Dodge & Cox IncomeDODIXPIMCO Total Return Dodge & Cox IncomeDODIXPIMCO Real Return Dodge & Cox IncomeDODIXN/A Fidelity US Bond*FXNAXN/A Payden & Rygel Global Fixed Income*PYGFXVanguard Target Retirement Income Vanguard Target Retirement IncomeVITRXVanguard Target Retirement 2015 Vanguard Target Retirement 2015VITVXVanguard Target Retirement 2020 Vanguard Target Retirement 2020VITWXVanguard Target Retirement 2025 Vanguard Target Retirement 2025VRIVXVanguard Target Retirement 2030 Vanguard Target Retirement 2030VTTWXVanguard Target Retirement 2035 Vanguard Target Retirement 2035VITFXVanguard Target Retirement 2040 Vanguard Target Retirement 2040VIRSXVanguard Target Retirement 2045 Vanguard Target Retirement 2045VITLXVanguard Target Retirement 2050 Vanguard Target Retirement 2050VTRLXVanguard Target Retirement 2055 Vanguard Target Retirement 2055VIVLXVanguard Target Retirement 2060 Vanguard Target Retirement 2060VILVXVanguard Target Retirement 2065*VSXFXN/ANEW INVESTMENT OPTIONTICKERInvesco Equity and Income# Age appropriate Vanguard Target Retirement FundsN/ADavis NY Venture T. Rowe Price Inst'l US Structured ResearchTRISXHartford Capital Appreciation T. Rowe Price Inst'l US Structured ResearchTRISXCONTINUED ON NEXT PAGE3
PRIOR INVESTMENT OPTIONMAPS TONEW INVESTMENT OPTIONTICKERVanguard Institutional Index Fidelity 500 IndexFXAIXVanguard Total Stock Market Index Fidelity 500 IndexFXAIXAmerican Century Equity Income Fidelity 500 IndexFXAIXAmerican Century Value Fidelity 500 IndexFXAIXHartford Dividend and Growth HLS Fidelity 500 IndexFXAIXAmerican Funds Growth Fund of America Fidelity 500 IndexFXAIXCalvert Equity Fidelity 500 IndexFXAIXHighland Premier Growth Equity Fidelity 500 IndexFXAIXInvesco American Franchise Fidelity 500 IndexFXAIXT. Rowe Price Growth Stock Fidelity 500 IndexFXAIXVanguard Mid Cap Index# Age appropriate Vanguard Target Retirement FundsN/AHotchkis & Wiley Mid Cap Value# Age appropriate Vanguard Target Retirement FundsN/AArtisan Mid Cap# Age appropriate Vanguard Target Retirement FundsN/AHartford MidCap HLS# Age appropriate Vanguard Target Retirement FundsN/AVanguard Small Cap Index Fidelity Small Cap IndexFSSNXN/A Wasatch Small Cap Value*WICVXAmerican Century Small Cap Value Fidelity Small Cap IndexFSSNXKeeley Small Cap Value Fidelity Small Cap IndexFSSNXBaron Small Cap Fidelity Small Cap IndexFSSNXHartford Small Company HLS Fidelity Small Cap IndexFSSNXHartford Healthcare HLS# Age appropriate Vanguard Target Retirement FundsN/AInvesco Real Estate# Age appropriate Vanguard Target Retirement FundsN/AIvy Science and Technology # Age appropriate Vanguard Target Retirement FundsN/AMFS Utilities# Age appropriate Vanguard Target Retirement FundsN/ASchwab SDBA Schwab SDBAN/AAmerican Funds Cap Wld Gr and Inc Fidelity Global ex-US IndexFSGGXMFS International Value Harding Loevner InternationalHLIZXVanguard Total Intl Stock Index Fidelity Global ex-US IndexFSGGXOppenheimer Global Fidelity Global ex-US IndexFSGGXAmer Funds EuroPacific Growth Harding Loevner InternationalHLMIXAmerican Century Intl Growth Harding Loevner InternationalHLMIXMFS Int'l New Discovery Fidelity Global ex-US IndexFSGGX*New investment option. No prior fund balances will be mapped into this fund.# Refer to the Target date fund mapping section for more information.4These changes may result in an increase or decrease in your investment risk exposure and may or may not be consistent with your target strategy orinvestment style. You are urged to review your account prior to and/or after the changes occur and make adjustments to your asset allocation if necessary.
Target date fund mappingYour designated beneficiariesIf you are invested in one of the nine funds listed below, theEmpower will receive your beneficiary data from MassMutual.assets that you hold in one or more of these funds will beYou will be able to review your beneficiary information online.placed in a temporary holding account called the DreyfusIf you do not have a beneficiary designation, you will have theGovernment Cash Management Instl – Ticker: DGCXX.opportunity to make that election online after the transition.A new approach to feesFUND NAMEFUND NAMEInvesco Equity and IncomeHartford Healthcare HLSVanguard Mid Cap IndexInvesco Real EstateHotchkis & Wiley Mid Cap ValueIvy Science and TechnologyCompensation Plan pays fees, even if you haven’t noticed them.Artisan Mid CapMFS UtilitiesThese fees cover management of the investments within yourEvery participant in the Contra Costa County Deferredplan and administrative fees, which cover expenses such asHartford MidCap HLSrecordkeeping, accounting and legal fees. The fund managers forAfter receipt and reconciliation of the plan’s records fromMassMutual, your accounts and future contributioninvestment allocations will be invested based on your date ofbirth as described in the table below:FUND NAMEthe plan’s investment options also charge fees to cover the costsof managing their respective funds.How fees worked previouslyEach investment option available in the plan charged fees basedDATE OF BIRTHon a percentage of the assets in the fund. Each fund fact sheetshowed how much you would pay in fees if you invested in thatVanguard Target Retirement IncomeBefore1948Vanguard Target Retirement 201519491952Vanguard Target Retirement 202019531957Vanguard Target Retirement 202519581962Vanguard Target Retirement 203019631967As in many retirement plans, some fund managers makeVanguard Target Retirement 203519681972payments back to the plan’s recordkeeper (a process calledVanguard Target Retirement 204019731977Vanguard Target Retirement 204519781982Vanguard Target Retirement 205019831987Vanguard Target Retirement 205519881992Vanguard Target Retirement 206019931997Vanguard Target Retirement 20651998LaterSelf-directedbrokerage accountThe SDBA option , also known as the Schwab Personal ChoiceRetirement Account (PCRA), will not be changing providers as aresult of the move to Empower. It will continue to be offeredthrough Charles Schwab & Co., Inc. (Member SIPC).Please refer to the Frequently Asked Questions section in thisbrochure and the enclosed SDBA letter regarding the transitionof your account.fund. The fees were subtracted from your funds’ investmentreturns, so you never saw those subtracted amounts on yourstatement. Generally, more complex investment products willcharge more in fees because managing those products is harder.revenue sharing). Under this arrangement, some participantsmay have paid more and others less based on how theinvestment funds they chose handled fees. The takeaway: The amount you paid in fees wasn’t easy todetermine, and administrative/recordkeeping fees could varyperson to person depending on investment choices.How fees will work after the transition toEmpower RetirementBeginning July 29, 2019, your administrative/recordkeepingfee will be 34 annually. It will be disclosed on your quarterlystatement in a more straightforward and transparent way.No matter your balance, you’ll pay the same amount inadministrative expenses for the plan every year. The takeaway: The new arrangement will result in a moreequitable approach. You will pay the same plan administrativefees, rather than paying based on their investment choices.You will still pay investment management fees, which areoverall lower than the previous provider and will vary based onthe funds you choose.5
Loan fees remain the sameCustomer serviceIf you take a loan from your account, there is a 50 origination If you need assistance, call toll-free 833-457-COCO(833-457-2626) to speak with a representative.Representatives are available from 5 a.m. to 7 p.m. Pacifictime Monday – Friday and 6 a.m. to 2:30 p.m. Saturday.charge that will be deducted from your loan check. There will alsobe an annual loan fee of 25, charged quarterly at 6.25, that willbe deducted from your account balance. In addition, the Countyyour paycheck. You can also use the automated voice response system at833-457-COCO (833-457-2626) to monitor your accountand make transactions at any time — 24 hours a day, sevendays a week.Self-directed brokerage feesCustom website and online resourcesA 50 annual fee will be charged if you are invested in the SDBA. Explore the new website at www.contracosta457.com.In addition, you may be charged for trades depending on the Access your account and make transactions.investment option(s) selected. An SDBA fee schedule can be Find helpful details about the plan.will charge a one-time loan repayment set-up fee of 25 and aloan maintenance fee of 1.50 per month for each month youhave a loan repayment. These amounts will be deducted fromfound on either www.contracosta457.com orwww.schwab.com. The SDBA is intended for knowledgeableinvestors who acknowledge and understand the risksassociated with the investments contained in the SDBA.New plan featuresWith the move to Empower, we’ve introduced some new featuresto enhance the plan:Lower fees See the previous section regarding how fees will decreaseafter the transition to Empower.Streamlined investment option lineup See the previous section for more information.Retirement education and counseling services With the move to Empower, we’re rolling out RetirementReadiness Reviews. These are one-on-one, personalizedmeetings with your Retirement Plan Advisors designedto assess the current path you are on toward See how you compare to your peers.Frequently asked questionsWhy is the Contra Costa County Deferred CompensationPlan making changes?The County is committed to providing a retirement plan thatreflects industry best practices. The updates are designed tostrengthen the plan and help you pursue your retirementsavings goals more effectively.Will I be able to keep my account at MassMutual?No. Your entire plan account balance with MassMutual, includingall plan assets held in the Schwab SDBA, will be transferred toEmpower Retirement. If you have assets in the Schwab SDBA,those assets will remain with Schwab after the transition.What can I expect in working with Empower’s Retirementretirement, including:Plan Advisors?—— How your assets are allocated.Your local Retirement Plan Advisors can help you with a—— Your savings rate.one-on-one account review and answer questions about your—— Your planned retirement age.asset allocation, savings rate, planned retirement age and overall—— The amount or percentage of your pre-retirementincome you may need to replace.Advisor will go over your personal situation and establish goals toOnce the blackout is over, you can schedule a RetirementReadiness Review, at no cost to you, by calling Ed Lopezat (844) 446-8658, ext. 20433 or Kirsten Pancoast at6 Obtain your Lifetime Income Score to estimate yourincome in retirement.retirement preparedness. During the review, you and theconfirm whether you’re on the right track. Call your localRetirement Plan Advisors Ed Lopez at (844) 446-8658,ext. 20433 or Kirsten Pancoast at (844) 446-8658, ext. 20402.(844) 446-8658, ext. 20402.What will happen to my current loan? Educational group meetings that cover specific planfeatures, investment strategies and distribution planning.If you currently have a loan balance, it will be transferred in full to Seminars on a variety of topics like asset allocation, basicand advanced investment principles, retirement strategiesand more.will not be disrupted as part of this transition and will continue toEmpower. You don’t need to take any action. Your loan paymentsbe deducted from your paycheck until your loan is repaid in full.
I am currently receiving distribution payments. What willWhat will the new crediting rate be for the Great-Westhappen to these?Stable Value Fund? Your distribution payments will automatically transfer to EmpowerThe crediting rate will be declared approximately two weeks priorand continue to be sent to you. This includes required minimumto the effective date of the transition. The crediting rate will thendistributions and periodic payments. However, Empower is notbe communicated to you during an upcoming transition webinarauthorized to assume the banking information you provided toor you may visit www.contracosta457.com to view the creditingMassMutual. Therefore, your payments will be sent to you in therate. The Great-West Stable Value Fund is intended to provideform of a check. After the blackout period ends, you can establishsafety of principal with minimal volatility while maintaining a stableelectronic deposits for future distributions from your plan accountcredited rate of interest.5at Empower. You will be sent additional information and a form toestablish electronic deposits in the near future.What are plan administration expenses and how do theyget paid?Do I pay any fees for the Contra Costa County DeferredCompensation Plan? All investment options have expenses and other fees thatcan be found on the Investment Information page atThere are a variety of operating costs and expenses associatedwww.contracosta457.com after the blackout period ends.with the plan, including standard plan administration servicesYour other fees are outlined in the A new approach to fees section insuch as recordkeeping and plan servicing expenses, as well asthis brochure.investment option costs. The plan charges an explicitadministrative fee for transparency.Managing your account: Online, by phone, face to faceOnline – A feature-rich interactive website is available at www.contracosta457.com to research and change investmentoptions, check your balance, make transactions and utilize retirement planning tools. You can also access the website from yourmobile device, so you can manage your account on the go.By phone – You can speak with a customer service representative who can answer your questions by calling Empowerparticipant services at 833-457-COCO (833-457-2626) Monday through Friday, from 5 a.m. to 7 p.m. Pacific time andSaturday from 6 a.m. to 2:30 p.m. after the transition. With the interactive voice response system, you can also monitoryour account and make transactions at any time, 24 hours a day, seven days a week.6Face to face – You can meet with your Retirement Plan Advisors Ed Lopez and Kirsten Pancoast to discuss yourquestions and specific retirement situation as well as topics such as contribution amounts, available catch-up amountsand asset allocation.Paperless solutionsEducation and planning tools and supportIn an effort to reduce paper clutter, you’ll be enrolled inKnowledge is power. The better you understand your account,paperless document delivery during the transition. Yourwhat it offers and how it can help you build the retirementpaperless features will include on-demand statements andincome you’ll need, the more you can take advantage of itsonline beneficiary updates, which will be available when you logfeatures and benefits. You’ll have access to the following optionsin to www.contracosta457.com after the transition. Thethat can help you make informed decisions about meeting yourinteractive voice response system at 833-457-COCOretirement goals:(833-457-2626) also offers many of these same capabilities. One-on-one sessions and group meetings covering specificplan features, investment information and strategicdistribution planning.You can also ask that printed copies of your statements bemailed to you at no charge. Log in to your account after thetransition and click your name at the top of the page, thenclick Change communication preference and complete therequested information. Online financial tools and calculators to guide you throughretirement planning and savings decisions. Online access to investment option information, includingfund fact sheets and investment performance returns,prospectuses and disclosure documents. Engaging and intuitive online retirement planning resourcesincluding Lifetime Income Score, Heath Cost Estimator andPeer Comparison.7
Contact usEmpower RetirementPhoneCall 833-457-COCO (833-457-2626); Participant Services available Monday to Friday, from 5 a.m. to 7 p.m. Pacific time andSaturday from 6 a.m. to 2:30 p.m.The voice response system is available 24 hours a day, seven days a week.OnlineVisit www.contracosta457.com to learn more about the plan’s investment choices and access retirement planning tools.One-on-one counseling sessionsSchedule a Retirement Readiness Review, at no cost to you, by calling Ed Lopez at (844) 446-8658, ext. 20433 or Kirsten Pancoastat (844) 446-8658, ext. 20402.1T he Great-West Family of Companies refers to products and services offered through The Great-West Life Assurance Company, LondonLife Insurance Company, The Canada Life Assurance Company, Irish Life Group Limited, Great-West Life & Annuity Insurance Company,Putnam Investments, LLC, and their affiliates and subsidiary companies.2A s of March 31, 2019. Information refers to all retirement business of Great-West Life & Annuity Insurance Company and its subsidiariesand affiliates, including Great-West Life & Annuity Insurance Company of New York, marketed under the Empower Retirement brand.3T hese dates and times are subject to change based on the ability of MassMutual and Empower Retirement to meet the associateddeadlines and the successful transfer of data and assets by MassMutual to Empower Retirement.4 Please contact Empower participant services immediately if you suspect any unauthorized use.5A collective trust stable value fund is offered by a bank or trust company. These investments have interest rate, inflation and credit risksassociated with the underlying assets owned by the portfolio or fund. The strength of the wrap contracts, which provide book-valueguarantees associated with a fund, depends on the financial strength of the financial institutions issuing the contracts.6T ransfer requests received on business days prior to close of the New York Stock Exchange (1 p.m. Pacific time or earlier on someholidays or other special circumstances) will be initiated at the close of business the same day the request was received. The actualeffective date of your transaction may vary depending on the investment option selected.Carefully consider the investment option’s objectives, risks, fees and expenses. Contact us for a prospectus, summary prospectus or disclosuredocument containing this information. Read each carefully before investing.You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at 1 per share, itcannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or anyother government agency. The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect thatthe sponsor will provide financial support to the fund at any time.Securities offered by GWFS Equities, Inc., Member FINRA/SIPC, marketed under the Empower brand. GWFS is affiliated withGreat-West Funds, Inc.; Great-West Trust Company, LLC; and registered investment advisers Advised Assets Group, LLC and Great-WestCapital Management, LLC, marketed under the Great-West Investments brand. This material has been prepared for informational andeducational purposes only and is not intended to provide investment, legal or tax advice.IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood ofvarious investment outcomes, are hypothetical in nature. They do not reflect actual investment results and are not guarantees of futureresults. The results may vary with each use and over time. Healthcare costs and projections, if applicable, are provided by HealthViewServices. HealthView Services is not affiliated with GWFS Equities, Inc. Empower Retirement does not provide healthcare advice. A top peeris defined as an individual who is at the 90th percentile of the selected age band, salary range and gender.MassMutual is not affiliated with GWFS Equities, Inc. or its parent company, Great-West Life & Annuity Insurance Company. 2019 Great-West Life & Annuity Insurance Company. All rights reserved. ERPC-BRO-26392-1905 RO840156-05198
About Empower After a comprehensive selection process, the Contra Costa County Deferred Compensation Committee chose Empower Retirement as the company that offered the best fit for plan participants. Empower is a member of the Great-West Family of Companies, 1 which has been providing financial services since 1891.
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