Professional Memo



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The Berge Group Retirement Savings Plan

Who Can Join?

Employees that are 21 years old and have 2 months of service.

When & How Do I Join?

After meeting the eligibility requirements, you will be able to join on the first of the month following and each month thereafter. You can enroll online by texting Start to 343898 or visiting the website at:

How Much Can I Contribute?

From 1-80% of your gross income, to a maximum of $19,500 within the year 2021 ($26,000 if over age 50). Contributions can be made on either a pre-tax or post tax (Roth) basis.

Does The Berge Group Contribute To My Plan?

Yes. The company matches 25% of every dollar contributed up to 4% of the employee’s salary.

Matching Contributions Are Subject To The Following Vesting Schedule:

Yr.1 - 0% Yr.2 - 25% Yr. 3 – 50% Yr.4 – 75% Yr. 5 – 100%

How Do I Control My Investments?

• Each month you can change your payroll deduction.

• You can alter investment options by using the phone; 1-800-835-5097

• You can change investment options online at .

What Investment Options Do I Have?

Lincoln Stable Value Fund Franklin Small Cap Value A

Pimco Income Fund Growth Fund Of America

American Balanced Fund American Century Heritage Fund

Blackrock Equity Dividend EuroPacific Fund

Washington Mutual Fund Hartford International Opportunities Fund

New Perspectives Fund Fidelity Total Market Index Fund

Diamond Hill Corp Credit Fund

American Funds Retirement Series Target Date Funds 2010, 2015, 2020, 2025, 2030, 2035, 2040, 2045, 2050, 2055, 2060. (Default Fund Options are based on your current age and nearest to the year you reach age 65yrs old)

Can I Borrow Against Or Take A Loan From My Account?

Loans are available from your account balance. You may borrow 50% of your vested account with a minimum of $1,000 and a maximum of $50,000; time periods range from 12 mos. to 60 mos.

Who Are The Plan Advisors?

For Investing & Plan Information: For All Other Information:

Richard D. Franco / Rick Smith Debra Nelson / Laurie Carrasco

Vice President HR & Payroll Managers

First Financial Equity Corporation The Berge Group / Bell Ford

7373 N Scottsdale Rd D-120 2401 W. Bell Road

Scottsdale, AZ 85253 Phoenix, AZ 85022

(480) 778-2051 (602) 866-1776

rfranco@ / rsmith@ dnelson@ / lauriec@

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Rev 12/2020

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