It’s simple and convenient.
You decide how much to invest (within applicable guidelines) and your contributions are deducted from your paycheck automatically each pay period.
It’s flexible.
You can choose from a diverse lineup of investment options. Also, you can change how much you contribute, change your investment options, or stop contributing at any time.
You may save money on taxes.
Whether you make traditional before-tax or Roth after-tax contributions, there may be tax advantages either now or later.
It goes where you go.
If you leave your job, you can take your vested balance with you. The contributions you make are always yours.
FOUR GREAT REASONS TO PARTICIPATE.
TABLE OF CONTENTS.
YOU NEED TO SAVE AND INVEST. 2
IT MAY BE EASIER THAN YOU THINK. 3
YOUR RETIREMENT PLAN COMES WITH BENEFITS. 4
SAVE WITH AFTER-TAX DOLLARS. 5
HOW MUCH SHOULD YOU SAVE? 6
GOOD PLANNING STARTS WITH A STRATEGY. 7
WHAT TYPE OF INVESTOR ARE YOU? 10
UNDERSTANDING YOUR INVESTMENT OPTIONS. 12
UNDERSTANDING THE RISKS. 13
EASY ACCESS TO YOUR ACCOUNT. 14
PLAN HIGHLIGHTS. 15
AUTOMATIC ENROLLMENT NOTICE. 17
GEt StARtED tODAY.
Enrollment Worksheet 18
Rollover Contribution Form 21
Beneficiary Designation Form 23
Automated Change Worksheet 25
Qualified Default Investment Alternative Notice 27
PLAN FOR LIFE
Four in five people (79.3%) say they are less than confident that their combined sources of income will be sufficient in retirement. The Hartford Investments and Retirement Survey, November 2010
Plexus Corp. is pleased to offer you a retirement plan as a benefit to help you save and invest for retirement. It’s one way to thank you for your contribution to the organization’s success. This document walks you through the basics of saving for retirement and the benefits of the Plexus Corp. 401(k) Retirement Plan (“Plexus plan”). You’ll find information to help you make a plan for your life in the future that works for your life right now.
If you have questions or for more information, please contact your human resource
representative, the Participant Information Center at 1-800-854-0647, or visit plexus401k.com. We hope you’ll take full advantage of this important benefit.
CONGRATULATIONS ON STARTING
YOUR PLAN FOR LIFE!
To learn about the specifics of the Plexus plan and to get started right away, go to page 15 where you’ll find Plan Highlights followed by important information about enrolling in the plan.
YOU NEED TO SAVE AND INVEST.
A large part of retirement for many people is the flexibility to do what they want, when they want. But you may not have that flexibility if you don’t plan for life in retirement.
We’re living longer than ever these days.
While you may not consider a long life to be a retirement issue, you may have many more years to plan for than you realize.Thanks to a combination of medical advances, better nutrition and healthier lifestyles, we’re enjoying some of the longest life expectancies in history. Consider that the number of Americans age 90 and older has nearly tripled in the past three decades.1
Whether married or single, the average 65-year old man can expect to live to age 82, and the average 65-year old woman can expect to live to age 85. As for a 65-year old couple, there’s a 45% chance that one spouse will reach age 90.2
Inflation matters.
Retirement is expensive enough. With inflation, the costs can be stunning.
Just eating in retirement can cost two people over $200,000 — $5 a meal, 3 meals a day, over 20 years. Adding a modest 3% annual inflation rate, the cost swells to nearly $300,000.
This hypothetical chart is for illustrative purposes only. How you live in retirement may be determined by what you can afford when the time comes. In fact, more and more Americans are finding that they need to work at least part-time because they didn’t save enough for retirement.
By preparing today, you may have more choices for your life tomorrow.
$ 5 meal
x 2 people x 3 meals a day x 365 days a year x 20 years $ 219,000 + 3% inflation = $ 294,000
The biggest financial concern for people facing retirement is meeting everyday expenses.
The Hartford Investments and Retirement Survey, November 2010
43.5% of people expect their retirement years to last more than 20 years.
The Hartford Investments and Retirement Survey, November 2010
IT MAY BE EASIER THAN YOU THINK.
It’s automatic.
Saving and investing through your payroll contributions means you never have to worry about writing a check, remembering to make a deposit, or spending the money you intended to save. Most people find that once they start automatic savings, they don’t miss the money. (If you don’t see it, you don’t spend it.)
Smart saving starts early.
You may think you have plenty of time to start planning for retirement. But the sooner you start, the more time your money has to work for you.
$200,000
$100,000
$50,000
$250,198
Pat ’s investment Miguel’s investment
$126,084 Pat begins investing
Miguel begins investing $300,000
$250,000
$150,000
65 55
45 35
25 AGE
THE BENEFITS OF STARTING EARLY.
Assumptions: Hypothetical weekly contributions of about $29 with a 6% annual rate of return, compounded weekly. Rates of return will vary over time, particularly for long-term investments. There is no guarantee that the selected rate of return can be achieved. Taxes are due upon withdrawal.
Hypothetical results are for illustrative purposes only and are not intended to predict the future performance of any Example: Pat and Miguel both saved about $29 a week until they retired at age 65. But Pat started
when he was 25 and Miguel waited until he was 35. Pat’s money had longer to grow. Those 10 years of waiting cost Miguel more than $124,000.
Two in five people (41.2%) say they intend to work longer and delay retirement or work part time during retirement as a way to fund retirement.
The Hartford Investments and Retirement Survey, November 2010
YOUR RETIREMENT PLAN COMES WITH BENEFITS.
Save with before-tax dollars.
You may save on taxes immediately. The contributions you authorize for investment in the Plexus plan may be deducted from your gross pay before current federal (and, in most cases, before state) income taxes are withheld. This is known as before-tax savings.
Because this reduces your current taxable income, you’ll probably take home more of your pay than if you were investing for retirement on an after-tax basis outside the plan (see the table on the right).1
You may also benefit from tax-deferred growth. In addition to your before-tax contributions, any potential earnings in your account are tax-deferred (not taxed until they are withdrawn) as well. Over time, tax-deferred savings may dramatically increase the value of your account.
Of course, with before-tax contributions, you will have to pay taxes when you withdraw your money from the tax-deferred account. But if you decide to stop working and take all your money out at age 65, you may still end up with more than in a taxable account.
RETIREMENT SAVINGS ON A BEFORE-TAX COMPARED TO AN AFTER-TAX BASIS.
Saving Saving in a plan outside a plan
before-tax2 after-tax
GROSS ANNUAL INCOME $25,000 $25,000 SAVINGS CONTRIBUTION $1,500 $1,500 TAXABLE INCOME $23,500*
$25,000
FEDERAL TAX WITHHELD $5,875 $6,250
SPENDABLE INCOME $17,625 $17,250
SAVINGS ADVANTAGE* $375
* Taxes on before-tax contributions and earnings on those contributions are assessed when you withdraw the money from the plan.
This example assumes a 25% tax bracket.
1 Many tax planning strategies emphasize the deferral of current income taxes, on the basis that your federal income tax rate may be lower at retirement. Please keep in mind that federal income tax rates are unpredictable and may be higher when you take a distribution than at the time of deferral. Other factors, including state tax rates and your income, may also affect your overall tax rate upon distribution. Please consult with your tax advisor for individual tax planning strategy and advice.
2 Hypothetical example for the before-tax savings is based on a before-tax contribution of $1,500 per year compounded weekly at a hypothetical 6% return, tax-deferred. The example shown for the regular savings is based on a $1,500 after-tax annual contribution,
The Plexus plan also offers the opportunity to save for your retirement through Roth 401(k) after-tax
contributions. By paying taxes up front you gain a clearer understanding of exactly how much money you’ll have for retirement. Because you’ve already paid taxes on this money, your Roth 401(k) account balance at retirement represents exactly how much money you’ll be able to withdraw and spend.
Both the traditional before-tax and the Roth after-tax options offer compelling tax benefits. The primary difference is how and when they are taxed. In the Plexus plan, you can choose to save for retirement through traditional before-tax or Roth after-tax contributions, or a combination of both!
To help you decide if the Roth after-tax option is right for you, try the online Roth 401(k) Calculator at plexus401k.com or seek advice from a qualified professional.
Plexus Corp. wants to help.
The Plexus plan has an additional incentive for you to save for retirement — an employer match. This benefit may increase your account value at no additional cost to you. With an employer match, Plexus Corp. deposits money into your account based on what you contribute to the plan. The chart to the right shows the impact of the Plexus Corp.’s employer match for an employee contributing 6% to the plan.
Benefits of traditional before-tax contributions. • If you believe your income level (and tax rate) will be
lower in retirement, it might make sense to defer your current income taxes until that time.
• If you currently qualify for certain credits and deduc-tions, you may want to consider continuing before-tax contributions because of the lower current taxable income they provide.
Benefits of Roth 401(k) after-tax contributions. • If you believe your taxes will be higher in retirement, it
may be better to pay taxes on your contributions now at a lower tax rate.
• If you have a long time until you retire and have the potential for significant earnings over time, it might make sense to take advantage of tax-free distributions of these accumulated earnings at retirement.*
*For tax-free treatment, the distribution must be a qualified distribution, i.e., made after the five-year non-exclusion period and due to death, disability, or attainment of age 59½.
SAVE WITH AFTER-TAX DOLLARS.
Plexus Corp. matches dollar for dollar up to the first 4% of your contributions to the plan. This chart assumes a $30,000 salary and 6% contribution rate.
Total annual contribution $3,000 Your 6% contribution $1,800
Plexus contribution $1,200
HOW MUCH SHOULD YOU SAVE?
It depends on two things.
How much money would you like to have in retirement and when will you start investing? You can see in the chart below which contribution rate would help get you to your goal. You can also use the Retirement Goal Planner calcu-lator at plexus401k.com to help you determine how much you want to contribute.
The coffee example on the right is hypothetical and does not represent the performance of any investment choice available in the Plexus plan. It assumes weekly contribu-tions earning a hypothetical 6% annual return. Actual returns and principal values will fluctuate. Distributions from your retirement program are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal
tax penalty may apply. Tax-deferred results assume no interim distributions. Investment return and the principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.
RETIREMENT GOAL PLANNER.
All examples are rounded to the nearest dollar, assume a retirement age of 65, annual invest-ment return of 6%, a zero initial balance, no Social Security benefits, no salary adjustinvest-ments, and no inflation.
The $15 you might spend on coffee every week could add up to $63,533 over 30 years.
Annual salary
Age you begin investing
$20,000 $30,000 $40,000 $50,000 $60,000
6% $200,390 $300,585 $400,779 $500,974 $601,169
25 8% $267,186 $400,779 $534,372 $667,966 $801,559
10% $333,983 $500,974 $667,966 $834,957 $1,001,948
6% $100,984 $151,476 $201,968 $252,460 $302,952
35 8% $134,645 $201,968 $269,290 $336,613 $403,935
10% $168,306 $252,460 $336,613 $420,766 $504,919
6% $46,410 $69,615 $92,820 $116,025 $139,230
45 8% $61,880 $92,820 $123,760 $154,700 $185,640
10% $77,350 $116,025 $154,700 $193,375 $232,050
6% $16,449 $24,673 $32,897 $41,122 $49,346
55 8% $21,932 $32,897 $43,863 $54,829 $65,795
GOOD PLANNING STARTS WITH A STRATEGY.
You’ve got options.
There is no “one size fits all” approach to investing. The Plexus plan offers two distinct ways to invest your port-folio. This gives you flexibility in building your retirement savings portfolio. How you invest your assets should be
based on your own financial needs, risk tolerance and circumstances. Before making your investment decisions, carefully review the investment fund fact sheets located on plexus401k.com and speak with your financial professional.
The principal value of T. Rowe Price Retirement Date Funds is not guaranteed at any time, including the target date. T. Rowe Price Retirement Date Funds are designed for investors who plan to retire and begin withdrawing money close to the targeted retirement year and who desire an asset-allocated portfolio that becomes more conservative over time.
The T. Rowe Price Retirement Date Funds provide a simple, one-step approach to investing. Each Fund offers you the power of a diversified set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. The T. Rowe Price Retirement Date Funds are actively managed to adjust over time with the allocation of investments becoming more conservative as you get closer to your ‘target’ retirement date, which for the Plexus plan is age 65.
For example, in 2013, the T. Rowe Price Retirement 2035 Fund would probably be viewed as “Aggressive,” while the 2020, 2025, and 2030 Funds would be viewed as “Growth” and the 2015 Fund as “Moderate.” The 2010 and Retirement Income Fund would be viewed as “Conservative.”
T. ROWE PRICE RETIREMENT DATE FUNDS
T. Rowe Price Retirement Income T. Rowe Price Retirement 2025 T. Rowe Price Retirement 2045 T. Rowe Price Retirement 2010 T. Rowe Price Retirement 2030 T. Rowe Price Retirement 2050 T. Rowe Price Retirement 2015 T. Rowe Price Retirement 2035 T. Rowe Price Retirement 2055 T. Rowe Price Retirement 2020 T. Rowe Price Retirement 2040
Please read through the fund fact sheets for detailed information regarding each of the individual T. Rowe Price Retirement Date Funds, including the investment objectives, risks, charges, and expenses of the underlying T. Rowe Price stock and bond funds. The information contained herein is not a recommendation to implement any particular investment strategy, or buy or sell any particular security, and does not provide a specific answer to your personal financial situation. We encourage you to read and consider this information carefully before you make your investment decisions.
For guidance on your investment strategy, please contact the plan’s investment advisors at Francis Investment Counsel at 1-866-232-6457.
You can mix your own portfolio by choosing among the Plexus plan’s fund options1 in the below list. When selecting your funds, make sure your mix of funds adds up to 100%.
STABLE VALUE FIXED INCOME U.S. EqUITY FOREIGN EqUITY HARD ASSET COMPANY STOCk ■Wells Fargo
Stable Return C
■Vanguard Total Bond Market Index Institutional (VBTIX)
■Vanguard Inflation-Protected Securities (VAIPX)
■MFS Emerging Market Debt R5 (MEDHX)
■T. Rowe Price Equity Income Adv (PRFDX) ■Vanguard Institutional Index I (VINIX) ■T. Rowe Price Blue Chip Growth (TRBCX)
■American Beacon Small-Cap Value (AVFIX) ■ING Small-Cap Opportunities (NSPIX)
■ T. Rowe Price International Growth & Income Adv (TRIGX)
■ American Funds EuroPacific Growth R6 (RERGX)
■ Columbia Acorn International Z (ACINX)
■ Lazard Emerging Markets Institutional (LZEMX)
■ Templeton Frontier Markets Adv (FFRZX)
■ PIMCO
CommoditiesPLUS Institutional I (PCLIX)
■ Plexus Company Stock Fund2
1 Go online to plexus401k.com and refer to the Investment Fund Fact Sheets which list the fund objective and strategy for each of the above listed funds.
2 This option is a blend of company stock and cash. It is not a mutual fund.
Complete the questionnaire.
Circle the answers that best match your personal style. Add up your points and consult the key on the next page to determine which investment style may be most appropriate for you.
1. How old are you?
Under 45 5
45 to 55 4
56 to 65 3
66 to 75 2
Over 75 1
2. When do you plan to begin withdrawing money from your retirement plan?
In more than 20 years 5
In 10 to 20 years 4
In 5 to 10 years 3
In less than 5 years 2
Immediately 1
3. I am willing to assume more risk in my investments for higher potential returns.
Strongly agree 5
Agree 4
Neutral 3
Disagree 2
Strongly disagree 1
4. Which statement best describes your attitude toward fluctuations in your investments?
My investments are for the long term and
daily market fluctuations do not bother me 5 Day-to-day market movements are normal
and I would wait at least a year before making
any changes 4
5. What are your long-term investment expectations? I expect my investments to significantly
outperform the stock market 5
I expect my investments to slightly outperform
the stock market 4
I expect my investments to keep pace with
the stock market and see a moderate gain 3 I expect my investments to keep pace with
the stock market and see a minimal gain 2 I expect my investments to fall behind the stock
market and have stability 1
6. What is your attitude towards holding onto an investment, even though it declined in value by 30% in three years?
I don’t care, three years’ performance is
not relevant 5
I won’t worry, the time period is too short 4 I’d worry if my losses were greater than 30% 3 I can only tolerate small short-term losses 2 I have a hard time with any losses 1 7. Investments can decline significantly in value, especially in the short term. What is your attitude towards holding onto an investment, even though it declined in value by 20% in one year?
I don’t care, one year’s performance is
not relevant 5
I won’t worry, the time period is too short 4 I’d worry if my losses were greater than 20% 3 I can only tolerate small short-term losses 2 I have a hard time with any losses 1 Tally your results by adding the points from questions 1 through 7.
Your total _____
WHAT TYPE OF INVESTOR ARE YOU?
Allocation suggestions.
The investor types below are allocation suggestions based on your risk tolerance, age, and the number of years left
until you retire. They are designed for retirement planning and assume that you have enough other income to meet your short-term needs.
TOTAL POINTS STYLE EXPLANATION
7–18 Conservative You need some growth potential to help stay ahead of possible inflation, but
you may be happier with a conservative portfolio of 5% international stocks, 35% U.S. stocks, 50% bonds, and 10% cash.
19–26 Moderate Although you understand risk and know that some risk is inevitable, you may
prefer a more moderate investment mix of 10% international stocks, 50% U.S. stocks, 35% bonds, and 5% cash.
27–31 Growth You’re comfortable with risk yet have some small reservations. A 20%
international stock, 60% U.S. stock, and 20% bond split may be your preferred investment portfolio.
32–35 Aggressive Growth Clearly, you’re comfortable with risk. A 20% international stock, 80% U.S.
stock strategy may be right for you.
The categorization of investment style as Conservative, Moderate, Growth, or Aggressive Growth, in terms of the results of the questionnaire is simply a suggestion for consideration. This material is not intended to replace the advice of a qualified personal advisor, financial professional or insurance agent. Before making any financial commit-ment regarding the issues discussed here, consider consulting with the appropriate professional advisor to determine risk tolerances and the suitability of various investments and allocations in view of your individual, financial, invest-ment, tax, family, and other personal considerations.
This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. This information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.
WHAT YOUR SCORE MEANS.
LEAST RISK/REWARD POTENTIAL MOST RISK/REWARD POTENTIAL
27–31 points
20% International stocks 19–26 points
10% International stocks 7–18 points
50% Bonds 35% Bonds 20% Bonds 80% U.S. stocks
10% Cash 5% Cash
35% U.S. stocks 50% U.S. stocks 60% U.S. stocks 5% International stocks
32–35 points GROWTH
MODERATE
CONSERVATIVE AGGRESSIVE GROWTH
INTERNATIONAL STOCk MUTUAL FUNDS.
STOCK MUTUAL FUNDS.
Investments in foreign securities involve risks relating to interest rates, currency exchange rates, economic and political conditions. There may be greater returns but also greater risks than with U.S. investments. International stocks fluctuate in value and may be worth more or less than their original cost.
UNDERSTANDING YOUR INVESTMENT OPTIONS.
Stocks fluctuate in value and, when redeemed (or sold), may be worth more or less than their original cost. Keep in mind that you can’t predict future results based on how the market performed in the past. However, stock funds have historically outperformed other types of investments over the long term.
The Plexus plan offers a variety of investments, some of which are mutual funds. Mutual funds are made up of different types of securities, as described below. Mutual funds pool your money with that of other investors and invest it in an assortment of stocks, bonds, short-term investments, or a combination of the three.
What are they? What are the risks? Why invest in them?
Invest primarily in stocks issued by foreign businesses
Global funds invest in both foreign and U.S. stocks
Stocks represent part ownership in a company
Political and economic uncertainties, and currency fluctuations
International stock funds can lose value if the stocks they invest in decline
To share in the profits of various companies
For the potential long-term increase in the value of their shares over time For the dividends or income that these funds may provide
What are they? What are the risks? Why invest in them?
Mutual funds that invest mostly in stocks
Stocks represent part ownership in a company
Stock funds can lose value if the stocks they invest in decline
To share in the profits of various companies
For the potential for the value of your shares to increase over time
For the dividends or income that these funds may provide
The principal value and return of an investment in mutual funds will fluctuate with changes in market conditions. Shares, when redeemed, may be worth
BOND MUTUAL FUNDS.
SHORT-TERM OR MONEY MARkET FUNDS.
Bonds, if held to maturity, offer a fixed rate of return and a fixed principal value. Corporate bonds, U.S. Treasury bills, and government bonds fluctuate in value. When interest rates rise, bond prices fall. With a fixed income fund, when interest rates rise, the value of the fund’s existing bonds drops, which could negatively affect overall fund performance.
Money market funds are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although these funds seek to preserve their value at $1.00 per share, it is possible to lose money by investing in them.
CDs are FDIC-insured and have principal and interest guarantees but offer no opportunity for growth of capital or income. Money market funds seek to maintain a constant net asset value (price), although this is not guaranteed.
The principal value and return of an investment in mutual funds will fluctuate with changes in market conditions. Shares, when redeemed, may be worth more or less than their original cost.
What are they? What are the risks? Why invest in them?
Funds that invest mostly in bonds Bonds represent “loans” to issuers, such as corporations or governments, which promise to repay the loan with interest or income
Historically have provided less opportunity for growth than stock funds
Return of principal is not guaranteed Bond funds have the same interest rate, inflation and credit risks that are associated with the underlying bonds owned by the fund
The value of bond fund shares usually fluctuates less than stock fund shares For the income potential they provide
What are they? What are the risks? Why invest in them?
Funds that invest in short-term investments
Over time, usually have provided lower returns than stock or bond funds
To provide a steady rate of return and greater investment stability Offer a relatively lower level of risk
UNDERSTANDING THE RISKS.
RETURNS AND RISk.
Historically, stocks over the long term have offered the greatest bang for the investing buck. Over the period from 1991-2011, stocks earned over 8.80% annually, on average. But that strong growth comes with associated risks, such as loss of principal and more volatility. Notice the best and worst years for each asset class. This is an example of how your returns can fluctuate from year to year.
LEAST RISK/REWARD POTENTIAL MOST RISK/REWARD POTENTIAL
27–31 points
20% International stocks 19–26 points
10% International stocks 7–18 points
50% Bonds 35% Bonds 20% Bonds 80% U.S. stocks
10% Cash 5% Cash
35% U.S. stocks 50% U.S. stocks 60% U.S. stocks
5% International stocks
32–35 points
GROWTH MODERATE
CONSERVATIVE AGGRESSIVE GROWTH
20% International stocks All figures are for the period 1991-2011.
The historical performance of each index cited in this material is provided to illustrate market trends; it does not represent the performance of a particular investment product. Past performance is no guarantee of future results.
Cash return data is based on the Citigroup Broad Investment Grade 3-month T-Bill Index, an index that gauges the average yield of three-month U.S. Treasury Bills.
Bond returns are based on the Barclays Capital U.S. Government/Credit Index, which measures the performance of all debt obligations of the U.S. Treasury and U.S. government agencies, and all investment-grade domestic corporate debt. U.S. stock returns are based on the Standard & Poor’s 500 Stock Index (the S&P 500), a commonly used measure of the broad U.S. stock market.
International stock returns are based on the Morgan Stanley Capital International (MSCI) EAFE (Europe, Australasia, Far East) Index which is a commonly used measure of the international stock market.
It is not possible to invest directly in an index.
The Plexus plan provides you with a convenient way to invest for your retirement. The investment options cover a range of risk levels and investment objectives so you can create a well-rounded portfolio.
Before you begin reviewing your options, please take a look at the chart below which illustrates how each asset class has historically performed over time. Then carefully
read the fund fact sheets for each fund in the plan. The investments you choose should correspond to your financial needs, goals, retirement timeline and risk tolerance. For assistance in determining an appropriate investment strategy for your retirement plan, please call Francis Investment Counsel, the plan’s investment advisor, at 1-866-232-6457.
CASH BONDS U.S. STOCkS INT’L STOCkS
Average annual return 3.39% 7.00% 8.80% 5.29%
Best year’s return 5.96% 19.24% 37.58% 39.17
EASY ACCESS TO YOUR ACCOUNT.
Two easy ways to monitor and manage your account. 1. ONLINE
Log in to plexus401k.com and click on “Enroll or Access Your 401(k) Account.” Here you can access powerful retire-ment planning tools and calculators. You can also manage your account — anytime, from virtually anywhere.
You’ll be able to:
• Obtain current account balances • Change your investment options • Conduct transactions to your account • Select Systematic Personal Rebalancing • Transfer (exchange) balances between
investment options
• Check current investment prices and performance • Request personalized statements
• View and download your quarterly electronic statements
• Reset/enable your account password • Change your log-in ID to a personal ID
If you have questions about accessing our website, please call the Participant Information Center during normal business hours, any business day.
2. BY PHONE
Call the Participant Information Center at
1-800-854-0647 and choose from the following ways to access your account:
• The automated touch-tone response system is
available in English and Spanish, 24 hours a day, 7 days a week.
• The 24-hour speech recognition system allows you access simply by using your voice. This service is available in English only.
• The Language Line Service is for those who prefer to receive retirement account information in a language other than English. This service allows you access in over 140 languages through a customer service representative during normal business hours. • Customer service representatives are also available
PLEXUS CORP. 401(k) RETIREMENT PLAN
PLAN HIGHLIGHTS.
Eligibility.
• You are eligible to participate in the plan on your date of hire.
Contributions.
Employee contributions.
Before-tax and Roth 401(k) after-tax contributions • Contributions are made by payroll deduction and will
begin as soon as administratively feasible after you have enrolled in the plan.
• You may contribute from 1% to 75% of pay on a before-tax and/or an after-tax basis through the Roth 401(k) feature.
• The maximum combined before-tax and Roth 401(k) annual contribution limit is $17,500 for calendar year 2013.
• For more information about the Roth 401(k) after-tax feature, see page 5.
• All new hires will be automatically enrolled in the plan at a 4% before-tax contribution rate and in the plan’s default investment option unless you specifically decline enrollment or elect to contribute at a different rate. • If you are automatically enrolled, Plexus Corp. will automatically increase your contribution by 1% on an annual basis (January 1), up to 10%, unless you specifically decline the increase.
• Please read the Automatic Enrollment Notice on page 17 for more information.
Catch-up contributions.
• Employees age 50 or older by the end of the plan year and not at one of the above-listed maximums may contribute an additional $5,500 for 2013.
Rollover contributions.
• New employees may be able to roll over assets from prior employers’ qualified plans.
Employer contributions.
• You will be eligible for the Safe Harbor employer match on the first day of employment provided that you contribute to the plan.
• Plexus Corp. matches 100% of the first 4% you contribute to the plan.
Vesting.
• Vesting means ownership. When you are “vested” you get to keep the “vested” portion of your account. • You are 100% vested in your before-tax, Roth 401(k)
after-tax, Safe Harbor employer match and rollover contribution account balances.
• If you were subject to a plan merger into the Plexus plan, prior plan vesting may apply to your prior company contributions.
Loans.
Please refer to the Summary Plan Description (SPD) online at plexus401k.com for more details.*
• Available from your account balance for the lesser of $50,000 or 50% of your vested account balance. • Minimum loan amount is $1,000.
• A $50 loan initiation fee will be applied to each loan amount.
• A $50 annual loan maintenance fee will be deducted for each loan in your account.
• Interest rate is prime rate plus 1% with the interest paid back to your account.
• No more than three loans may be outstanding at any time. • The amount available for loans depends on plan
provi-sions and current value of your account, which may be worth more or less than you invested.
Withdrawals.
Withdrawals made prior to age 59½ may be subject to an additional 10% federal tax penalty. Hardship withdrawal.
You must first exhaust any loans you have available under the 401(k) plan or a 59½ withdrawal (if eligible) prior to applying for a hardship withdrawal. An existing outstanding loan will satisfy these requirements. • To pay tuition, related educational fees, and room
and board expenses for the next 12 months of post-secondary education for you, your spouse, child, or dependent.
• To purchase your primary residence (qualifying documents required).
• To pay uninsured repair expenses resulting from a casualty loss to your principal residence.
• To pay the amount needed to prevent eviction from your principal residence or foreclosure on the mortgage of your principal residence.
• To pay necessary uninsured medical expenses for you, your spouse, your child, or dependent.
• To pay for burial or funeral expenses for your deceased parent, spouse, child, or dependent.
In-service withdrawal.
• If you are age 59½ or more, you may take an in-service withdrawal from your vested balance at any time. Benefit payments.
Payments made prior to age 59½ may be subject to an additional 10% federal tax penalty
• Upon termination from Plexus Corp., your vested account balance is available for distribution.
• Upon normal retirement, total disability, or death, your account balance is 100% vested and available for distribution to you or your named beneficiary(ies).
Investment fund lineup.
PRE-MIXED BY RETIREMENT DATE.
T. Rowe Price Retirement Income Fund (TRRIX) T. Rowe Price Retirement 2010 Fund (TRRAX) T. Rowe Price Retirement 2015 Fund (TRRGX) T. Rowe Price Retirement 2020 Fund (TRRBX) T. Rowe Price Retirement 2025 Fund (TRRHX) T. Rowe Price Retirement 2030 Fund (TRRCX) T. Rowe Price Retirement 2035 Fund (TRRJX) T. Rowe Price Retirement 2040 Fund (TRRDX) T. Rowe Price Retirement 2045 Fund (TRRKX) T. Rowe Price Retirement 2050 Fund (TRRMX) T. Rowe Price Retirement 2055 Fund (TRRNX) BUILD-YOUR-OWN STRATEGY.
Stable Value
Wells Fargo Stable Return Fund C Fixed Income
Vanguard Total Bond Market Index Institutional (VBTIX) Vanguard Inflation-Protected Securities (VAIPX) MFS Emerging Market Debt R5 (MEDHX) U.S. Equity
T. Rowe Price Equity Income Adv (PRFDX) Vanguard Institutional Index I (VINIX) T. Rowe Price Blue Chip Growth (TRBCX) American Beacon Small-Cap Value (AVFIX) ING Small-Cap Opportunities (NSPIX) Foreign Equity
T. Rowe Price International Growth & Income Adv (TRIGX)
American Funds EuroPacific Growth R6 (RERGX) Columbia Acorn International Z (ACINX)
Lazard Emerging Markets Institutional (LZEMX) Templeton Frontier Markets Adv (FFRZX) Hard Asset
PIMCO CommoditiesPLUS Institutional l (PCLIX) Company Stock
Plexus Company Stock Fund
QUICK LINK TIP
Want quick access to your account? 1. Go to plexus401k.com.
2. Click on Access My Account.
AUTO-ENROLL TIME TABLE. MONTH OF
HIRE/REHIRE
ENROLL IN THE PLAN OR DECLINE PARTICIPATION
AUTOMATIC ENROLLMENT DATE January
February March April May June July August September October November December
First paycheck thru February 20 First paycheck thru March 20 First paycheck thru April 20 First paycheck thru May 20 First paycheck thru June 20 First paycheck thru July 20 First paycheck thru August 20 First paycheck thru September 20 First paycheck thru October 20 First paycheck thru November 20 First paycheck thru December 20 First paycheck thru January 20
March 1 April 1 May 1 June 1 July 1 August 1 September 1 October 1 November 1 December 1 January 1 February 1
PLEXUS CORP. 401(k) RETIREMENT PLAN
AUTOMATIC ENROLLMENT NOTICE.
Employees hired or rehired who have not enrolled or declined enrollment in the Plexus Corp. 401(k) Retirement Plan (“Plexus plan”), will automatically be enrolled according to the schedule outlined in the Auto-Enroll Time Table below. An account in the Plexus plan will be established on your behalf and 4% of your pay will be deposited as contributions to the plan in lieu of receiving that amount as cash compensation. This 4% automatic deferral percentage will begin on your first paycheck following your automatic enrollment date.
As an employee about to enter the Plexus plan, your contributions will be invested in the plan’s default investment option, a T. Rowe Price Retirement Date Fund (based on your date of birth), unless you indicate your investment instructions during your enrollment process, as outlined on the Enrollment Worksheet.
Once you are automatically enrolled in the plan, Plexus Corp. will automatically increase your contribution by 1% on an annual basis (January 1) up to 10%, unless you specifically decline the increase.
You have a right to DECLINE participation in the Plexus plan. You also have a right to contribute more or less than the automatic deferral percentage rate of 4%. Please review the Enrollment Worksheet on page 18 and follow the instructions shown in Step 1.
In addition, you will be able to change your contribution percentage or elect to cease contributions altogether after the automatic enrollment date. However, contributions that have already been made, must remain in the Plexus plan until you retire or separate from service.
STEP 2. CHOOSE YOUR CONTRIBUTION AMOUNT.
Enter the percentage (%) you will contribute. Before-tax contribution: (between 1% and 75%)
______________________%
Roth 401(k) after-tax contribution: (between 1% and 75%)
______________________%
ENROLL ONLINE. ENROLL BY PHONE.
1. Log in to plexus401k.com and click on “Access My Account.”
2. Follow the online instructions.
3. Call 1-800-854-0647 if you need assistance.
1. Call 1-800-854-0647. 2. Follow the voice prompts.
3. Say “Representative” if you would like to speak with a Customer Service Representative for assistance.
STEP 1. ENROLL ONLINE ENROLL BY PHONE.
Online:
1. Log in to plexus401k.com and click “Enroll or Access Your 401(k) Account.”
2. Enter your initial online user name and password per the instructions provided by Plexus Corp. in your new hire benefits email. You then will be prompted to create a new User Name and Password for more secure access to your account.
3. Select “Enroll” or “Decline Enrollment.” • If you select “Enroll,” continue to the next step. • If you select “Decline Enrollment,” you do not need to
continue.
By Phone:
1. Call the Participant Information Center
at 1-800-854-0647.
2. Enter your initial Personal Identification Number (PIN) per the instructions provided by Plexus Corp. in your new hire benefits email. You then will be prompted to choose a new phone PIN for more secure access to your account.
3. Select “Enroll” or “Decline Enrollment.” • If you select “Enroll,” continue to the next step. • If you select “Decline Enrollment,” you do not
need to continue.
GET STARTED TODAY.
Plexus Corp. 401(k) Retirement Plan Enrollment Worksheet.
You have a right NOT to have your pay reduced and contributed to the Plexus plan. If you do not wish to contribute to the plan, please review the Automatic Enrollment Notice on page 22 and follow Step 1 below to decline enrollment.
If you would like assistance with accessing your account, please contact the Participant Information Center at
1-800-854-0647 between 8am and 8pm Eastern time on any business day. Say “Representative” to speak with a
Customer Service Representative.
You have a right NOT to have your pay reduced and contributed to the Plexus plan. If you do not wish to contribute to the plan, please review the Automatic Enrollment Notice on page 17 and follow Step 1 below to decline enrollment.
STEP 3. CHOOSE YOUR INVESTMENTS.
The system will now prompt you to enter your investment choices. If you do not make any selections, 100% of your
contributions will be automatically invested in a target retirement date fund according to your date of birth. You will first hear or see that 100% of your contributions will be invested in a target retirement date fund. To change this you must select an alternate investment.
While cycling through the fund choices on the phone system you must enter or speak “0%” if you do not wish to select a fund. Continue until you have made all of your selections. You do not have to invest your contributions in every fund listed, but make sure your percentage amounts total 100%.
Please review the plan’s investment fund lineup on plexus401k.com for detailed information about your investment options. PRE-MIXED BY RETIREMENT DATE. Choose one of the following.
T. Rowe Price Retirement Income Fund (TRRIX)
100% T. Rowe Price Retirement 2010 Fund (TRRAX)
100% T. Rowe Price Retirement 2015 Fund (TRRGX)
100% T. Rowe Price Retirement 2020 Fund (TRRBX)
100% T. Rowe Price Retirement 2025 Fund (TRRHX)
100% T. Rowe Price Retirement 2030 Fund (TRRCX)
100% T. Rowe Price Retirement 2035 Fund (TRRJX)
100% T. Rowe Price Retirement 2040 Fund (TRRDX)
100% T. Rowe Price Retirement 2045 Fund (TRRKX)
100% T. Rowe Price Retirement 2050 Fund (TRRMX)
100% T. Rowe Price Retirement 2055 Fund (TRRNX)
100%If you select a retirement date fund, you may only choose one and you may not select any other investment options for your rollover contribution.
BUILD-YOUR-OWN STRATEGY. Stable Value
Wells Fargo Stable Return Fund C
100% or %Fixed Income
Vanguard Total Bond Market Index Institutional (VBTIX)
100% or % Vanguard Inflation-Protected Securities (VAIPX)
100% or % MFS Emerging Market Debt R5 (MEDHX)
100% or % U.S. EquityT. Rowe Price Equity Income Adv (PRFDX)
100% or % Vanguard Institutional Index I (VINIX)
100% or % T. Rowe Price Blue Chip Growth (TRBCX)
100% or % American Beacon Small-Cap Value (AVFIX)
100% or % ING Small-Cap Opportunities (NSPIX)
100% or % Foreign EquityT. Rowe Price International Growth & Income Adv (TRIGX)
100% or % American Funds EuroPacific Growth R6 (RERGX)
100% or % Columbia Acorn International Z (ACINX)
100% or % Lazard Emerging Markets Institutional (LZEMX)
100% or % Templeton Frontier Markets Adv (FFRZX)
100% or % Hard AssetSTEP 4. RECORD YOUR ENROLLMENT CONFIRMATION.
If you enroll by Monday of any given week, your payroll deduction will begin with your following paycheck.
You’re almost finished! The system will repeat all of your
contribution and investment choices and will give you another chance to make changes if needed
Note the confirmation number:
Congratulations!
You’ve completed the important step in planning for your retirement future. In the future, you can call 1-800-854-0647 or visit the Internet at plexus401k.com to track your account balances or request changes to your investments or contribution amounts. For guidance on your investment strategy, please contact Francis Investment Counsel, the plan’s investment advisor at 1-866-232-6457.
1. EMPLOYEE INFORMATION.
Social Security Number ______________________________________ Date of birth ____________________________ Name (please print) _________________________________________ Date of hire ____________________________ Street address ______________________________________________________________________________________ City ______________________________________________________ State __________________________________ Zip code __________________________________________________ Daytime phone number ___________________
INFORMATION ON ROLLOVERS. (Please read carefully before completing).
The amount you roll over must represent an eligible rollover distribution from a qualified retirement plan or conduit IRA. If this request represents a direct rollover from a qualified retirement plan, your check should be made payable to “Plexus Corp. 401(k) Retirement Plan fbo Participant Name.” If this request represents a non-direct rollover contribution (you have received this money from a prior qualified plan or from a conduit IRA), you must have received this rollover distribution no more than 60 days before the date your rollover contribution is received by the plan. Your check should be made payable to “Plexus Corp. 401(k) Retirement Plan” and include your Social Security Number on the check.
Roth after-tax amounts: A rollover of a Roth after-tax amount can generally only be made to a defined contribution plan if it is processed as a “direct rollover.” This means that the Roth after-tax amount could not have been paid to you and then rolled over, but must have been paid directly to this successor plan. However, Roth after-tax earnings can be rolled over even if the amount was paid directly to you. Also note that if the rollover is from a Section 457 plan and property, (assets other than cash) were distributed, special requirements may apply and you should contact your tax advisor before authorizing any rollover.
Any tax consequences related to this rollover are your responsibility and you agree that Plexus Corp. 401(k) Retirement Plan and The Hartford and its affiliates will not be held responsible for these tax consequences.
2. ROLLOVER SOURCE AND AMOUNT.
I elect to roll $ ___________ into the plan from my prior qualified plan (name of prior plan) or my Conduit IRA. Attached with this form is a check for this amount.
Please complete the section below only if your rollover check includes Roth after-tax amounts.
$____________of rollover represents Roth after-tax contributions (“cost basis”) and calendar year of original Roth after-tax contribution to distributing plan is (enter year) 20____.
$____________of rollover representing Roth after-tax earnings (if there is a loss, please indicate with a minus (“-”) sign. Please note: Cost basis and earnings will be put into a separate account within the participant’s rollover account(s) unless other instructions are provided with this form. This is required to ensure that Roth after-tax basis and earnings are accounted for separately from the non-Roth portions of the account.
3. INVESTMENT SELECTIONS FOR YOUR ROLLOVER CONTRIBUTION.
Please review the plan’s investment Fund Lineup on plexus401k.com for detailed information about each investment option. For your rollover contribution, you may choose one of the pre-mixed retirement date funds or build your own portfolio from among the investment options offered through the plan.
PRE-MIXED BY REtIREMENt DAtE. Choose one. PRE-MIXED BY REtIREMENt-DAtE. Choose one.
T. Rowe Price Retirement Income Fund (TRRIX)
100% T. Rowe Price Retirement 2035 Fund (TRRJX)
100% T. Rowe Price Retirement 2010 Fund (TRRAX)
100% T. Rowe Price Retirement 2040 Fund (TRRDX)
100% T. Rowe Price Retirement 2015 Fund (TRRGX)
100% T. Rowe Price Retirement 2045 Fund (TRRKX)
100% T. Rowe Price Retirement 2020 Fund (TRRBX)
100% T. Rowe Price Retirement 2050 Fund (TRRMX)
100% T. Rowe Price Retirement 2025 Fund (TRRHX)
100% T. Rowe Price Retirement 2055 Fund (TRRNX)
100% T. Rowe Price Retirement 2030 Fund (TRRCX)
100%If you select a retirement date fund, you may only choose one, and you may not select any other investment options for your rollover contribution.
BUILD-YOUR-OWN StRAtEGY.
Stable Value
Wells Fargo Stable Return Fund C
100% or %Fixed Income
Vanguard Total Bond Market Index Institutional (VBTIX)
100% or % Vanguard Inflation-Protected Securities (VAIPX)
100% or %MFS Emerging Market Debt R5 (MEDHX)
100% or %U.S. Equity
T. Rowe Price Equity Income Adv (PRFDX)
100% or %Vanguard Institutional Index I (VINIX)
100% or %T. Rowe Price Blue Chip Growth (TRBCX)
100% or %American Beacon Small-Cap Value (AVFIX)
100% or %ING Small-Cap Opportunities (NSPIX)
100% or %Foreign Equity
T. Rowe Price International Growth & Income Adv (TRIGX)
100% or % American Funds EuroPacific Growth R6 (RERGX)
100% or %Columbia Acorn International Z (ACINX)
100% or %Lazard Emerging Markets Institutional (LZEMX)
100% or %Templeton Frontier Markets Adv (FFRZX)
100% or %Hard Asset
PIMCO CommoditiesPLUS Institutional l (PCLIX)
100% or % Company StockPlexus Company Stock Fund1
100% or %TOTAL MUST EqUAL 100% %
If you select individual investment options for your portfolio, please check to make sure that your total investment alloca-tion equals 100%
1 This option is a blend of company stock and cash. It is not a mutual fund.
4. AUTHORIZATION AND SIGNATURE.
Please complete, sign, date, and return this form by mail to: MassMutual Retirement Services
PO Box 55274 Boston, MA 02205-5274
By overnight delivery:
MassMutual Retirement Services 31 St. James Avenue, Suite 600 Boston, MA 02116-4190
As a former participant in the above referenced prior plan, I represent that (1) the Prior plan is a qualified plan under section 401(a) of the Code or an individual conduit retirement account (IRA) under Code Section 408 and the provisions of the transfer or plan or IRA conduit are such that the benefit described above may be transferred to this plan; (2) this money represents an eligible rollover distribution to an eligible plan; and (3) I understand that these rollover funds, once deposited in the plan, will be subject to all provisions of the plan, including all distribution restrictions.
EMPLOYEE INFORMATION.
Social Security Number _________________________________________________________________________ Name (please print) ____________________________________________________________________________ Address ______________________________________________________________________________________ City ______________________________ State ______________________________Zip code ____________________ Marital status (check) c Single c Married
BENEFICIARY DESIGNATION.
Note: If you are married, your primary beneficiary under the plan is automatically your spouse unless your spouse
consents to your designation of a non-spouse beneficiary. If spousal consent is required, it must be witnessed by a Notary Public in the spousal consent section.
Primary beneficiary(ies).
Beneficiary Social Security Number _______________________________________________________________ Name (please print) ____________________________________________________________________________ Address ______________________________________________________________________________________ City ______________________________ State ______________________________Zip code ____________________ Date of birth _________________________________________________________________________________ Relationship to employee __________________________________________ Percentage ________________ %
Beneficiary Social Security Number _______________________________________________________________ Name (please print) ____________________________________________________________________________ Address ______________________________________________________________________________________ City ______________________________ State ______________________________Zip code ____________________ Date of birth _________________________________________________________________________________ Relationship to employee __________________________________________ Percentage ________________ %
If you wish to name additional primary or secondary beneficiary(ies), please list information on a separate sheet and attach to this form. If you name more than one primary beneficiary, your secondary beneficiary(ies) will be entitled to a
PLEXUS CORP. 401(k) RETIREMENT PLAN
BENEFICIARY DESIGNATION FORM.
Be sure to complete and sign this beneficiary designation form and return it to Human Resources.
Plexus Corp. Attn: Benefits Team One Plexus Way PO Box 156
SECONDARY BENEFICIARY(IES). (If your primary beneficiary(ies) dies before you).
Beneficiary Social Security Number _______________________________________________________________ Name (please print) ____________________________________________________________________________ Address ______________________________________________________________________________________ City ______________________________ State ______________________________Zip code ____________________ Date of birth _________________________________________________________________________________ Relationship to employee __________________________________________ Percentage ________________ %
Beneficiary Social Security Number _______________________________________________________________ Name (please print) ____________________________________________________________________________ Address ______________________________________________________________________________________ City ______________________________ State ______________________________Zip code ____________________ Date of birth _________________________________________________________________________________ Relationship to employee __________________________________________ Percentage ________________ %
Authorization and signature. (Please sign, date and return this form to Plexus Corp., Corp. Benefits Team, One Plexus Way, Neenah, WI 54957-0529).
I hereby represent and certify that the above information furnished by me is true and correct. I agree to notify my Plan Administrator immediately in the event my marital status changes. I hereby revoke any prior beneficiary designations I may have made.
Employee signature _______________________________________________ Date ________________________ Spousal consent. (Required only if you chose a primary beneficiary other than your spouse).
I have reviewed and hereby consent to my spouse’s designation of beneficiary(ies) on this form. I understand that if I have not been designated as sole primary beneficiary, by executing this consent, I am allowing the beneficiary(ies) identified to be paid benefits that might otherwise be paid to me under the plan upon my spouse’s death. I understand that my spouse must execute a new Beneficiary Designation Form if he or she wants to change the beneficiary(ies) designated. I understand that my consent is irrevocable.
Name of spouse _______________________________________________________________________________ Social Security Number _________________________________________________________________________ Spouse’s signature ________________________________________________ Date ________________________ On this ________ day of ____________________ the individual whose signature appears above signed this consent in my presence and established for my satisfaction that he/she is the spouse of the employee identified above.
Witness signature (notary public) _________________________________________________________________ Commission expires _______________________________________________ Seal ________________________ Beneficiary Designation Form. (continued)
Please fill out this worksheet before you call or log in.
Instructions to make changes to your account by phone or the Internet.
The Participant Information Center and Retirement Access give you two easy ways to make changes to your account balance. All you need to do is complete this worksheet, and then call or log in to access your account. The system will prompt you to input your choices, and then will confirm each of your entries.
1. Call 1-800-854-0647.
2. Follow the voice prompts.
3. Say “Representative” if you would like to speak with a Customer Service Representative for assistance.
PLEXUS CORP. 401(k) RETIREMENT PLAN AUTOMATED CHANGE WORKSHEET.
CHANGES BY PHONE. CHANGES BY INTERNET.
1. Log in to plexus401k.comand click on “Access My Account.”
2. Follow the online instructions.
3. Call 1-800-854-0647if you need assistance.
Menu Option
RebalancingREDISTRIBUTE EXISTING FUND BALANCES Realign your existing investments by percentages
Menu Option
Systematic rebalancingAUTOMATIC REDISTRIBUTION OF EXISTING FUND BALANCES
Set up your existing investments to automatically realign by percentages
Menu Option
Allocation strategiesELECT OR CHANGE YOUR RETIREMENT DATE STRATEGY Select a strategy based on your retirement time horizon
Menu Option
Automatic investingSYSTEMATIC INVESTMENT SELECTION
Automatically invest your money in a retirement date strategy, based solely on your date of birth
Menu Option
Investment electionsCHANGE FUTURE CONTRIBUTION FUND CHOICES
Select new investment options for your future contributions by percentages
Menu Option
ExchangesTRANSFER EXISTING FUND BALANCES
Exchange your fund balances between any of the fund choices in dollars or shares
Menu Option
ContributionsCHANGE YOUR PAYROLL CONTRIBUTIONS
Increase or decrease traditional before-tax and/or Roth 401(k) after-tax contributions to the plan in percentages (1% to 75%)
YOU MAY USE THIS CHART TO PLAN YOUR FUND CHANGES.
Please review the plan’s Investment Fund Lineup on plexus401k.com for detailed information about your investment options.
PRE-MIXED BY RETIREMENT DATE. CURRENT CHOICES DESIRED CHANGES TO INVESTMENTS T. Rowe Price Retirement Income Fund (TRRIX)
Income
IncomeT. Rowe Price Retirement 2010 Fund (TRRAX)
2010
2010 T. Rowe Price Retirement 2015 Fund (TRRGX)
2015
2015 T. Rowe Price Retirement 2020 Fund (TRRBX)
2020
2020 T. Rowe Price Retirement 2025 Fund (TRRHX)
2025
2025 T. Rowe Price Retirement 2030 Fund (TRRCX)
2030
2030 T. Rowe Price Retirement 2035 Fund (TRRJX)
2035
2035 T. Rowe Price Retirement 2040 Fund (TRRDX)
2040
2040 T. Rowe Price Retirement 2045 Fund (TRRKX)
2045
2045 T. Rowe Price Retirement 2050 Fund (TRRMX)
2050
2050 T. Rowe Price Retirement 2055 Fund (TRRNX)
2055
2055If you select a retirement date fund, you may only choose one, and you may not select any other investment options for your roll-over contribution.
BUILD-YOUR-OWN StRAtEGY. CURRENt ChOICES DESIRED ChANGES tO INvEStMENtS Stable Value
Wells Fargo Stable Return Fund C % % Fixed Income
Vanguard Total Bond Market Index Institutional (VBTIX) % % Vanguard Inflation-Protected Securities (VAIPX) % % MFS Emerging Market Debt R5 (MEDHX) % % U.S. Equity
T. Rowe Price Equity Income Adv (PRFDX) % % Vanguard Institutional Index I (VINIX) % % T. Rowe Price Blue Chip Growth (TRBCX) % % American Beacon Small-Cap Value (AVFIX) % % ING Small-Cap Opportunities (NSPIX) % % Foreign Equity
T. Rowe Price International Growth & Income Adv (TRIGX) % % American Funds EuroPacific Growth R6 (RERGX) % % Columbia Acorn International Z (ACINX) % % Lazard Emerging Markets Institutional (LZEMX) % % Templeton Frontier Markets Adv (FFRZX) % % Hard Asset
PIMCO CommoditiesPLUS Institutional l (PCLIX) % % Company Stock
Plexus Company Stock Fund1 % %
TOTAL MUST EqUAL 100%
If you select individual investment options for your portfolio, please check to make sure that your total investment allocation equals 100% 1 This option is a blend of company stock and cash. It is not a mutual fund.
RECORD YOUR CONFIRMATION NUMBERS. You’re almost finished!
Note the Deferral Change Confirmation Number Date Note the Investment Election Confirmation Number Date
New Before-tax Payroll Contribution % Date
New Roth 401(k) After-tax Contribution % Date
This notice is provided to each employee entering the Plexus 401(k) Retirement Plan (the “Plexus plan”) and will be re-issued annually to all U.S. employees during annual benefits enrollment. First, it is important that you understand that you have the ability to control the investment of your account by selecting among the investment choices provided under the Plexus plan. These investment choices are listed in the enrollment materials you received when you became eligible, and are listed on the Investment Lineup brochure posted on plexus401k.com.
You have the ability to direct the investment of your account.
You are able to buy, sell and exchange into and out of these investment alternatives by accessing plexus401k.com or by calling the Participant Information Center
at 1-800-854-0647.
You can buy and sell (referred to as an “exchange”) into other investments daily. However, the plan limits your exchanges to 20 days per calendar year initiated via your account online or through the Participant Information Center.
All exchanges initiated on the same day are aggregated together and count as one exchange against this limit. Exchanges in excess of these limits must be requested in writing. Details on this process may be obtained by calling the Participant Information Center.
In addition, some investment funds may impose limits on the frequency of exchanges to protect investors from market timing and/or excessive trading activities. Information about investment restrictions, if any, is available in the applicable fund prospectus.
What happens if you do not direct the investment of your account?
If you do not make investment choices for your account, the contributions to your account will be invested in the Plexus plan’s default investment alternative. The default investment alternative is an investment alternative avail-able under the plan that is used to receive contributions when you have not provided investment instructions. Contributions to your account will be invested in the default investment alternative unless or until you provide instructions that contributions should go to another investment under the Plexus plan.
the default investment alternative for the plan is the t. Rowe Price Retirement Date Funds, a set of funds that are “targeted” to the year in which the participant attains normal retirement age, which for this plan is age 65. Generally, these targeted funds change their asset allocation and risk levels over time and become more conservative as the target date approaches. To determine the specific T. Rowe Price Retirement Date Fund in which your account will be invested, first deter-mine what year you will attain age 65, and then find the corresponding period on the left side of the table on the next page. The name of the fund that corresponds to the year you will reach normal retirement age is on the right side of the table.
PLEXUS CORP. 401(k) RETIREMENT PLAN
QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (“QDIA”) NOTICE.
This notice contains important information concerning the investment of your self-directed retirement account.
IF YOUR YEAR OF BIRTH IS:* YOU WILL BE INVESTED IN:
1988 or later T. Rowe Price Retirement 2055 Fund 1983 - 1987 T. Rowe Price Retirement 2050 Fund 1978 - 1982 T. Rowe Price Retirement 2045 Fund 1973 - 1977 T. Rowe Price Retirement 2040 Fund 1968 - 1972 T. Rowe Price Retirement 2035 Fund 1963 - 1967 T. Rowe Price Retirement 2030 Fund 1958 - 1962 T. Rowe Price Retirement 2025 Fund 1953 - 1957 T. Rowe Price Retirement 2020 Fund 1948 - 1952 T. Rowe Price Retirement 2015 Fund 1900 - 1947 T. Rowe Price Retirement 2010 Fund
*Note: the year in which you attain age 65 may not match precisely the target date of the fund.
Importance of keeping your information up-to-date.
Please be sure to check your birth date and other information (such as your address) online in order to be certain that plan records are correct and also to ensure that you will receive information that is periodically sent to participants of the plan. To access your account online, visit plexus401k.com. You may also call the Participant Information Center at 1-800-854-0647 to check account information. Failure to ensure that your birth date is correct may result in an allocation of your contributions and investment earnings into an investment fund that does not correlate to the date you will reach normal retirement age.
You may decide at any time to change your investment election from one of the T. Rowe Price Retirement Date Funds (the default investment alternative) into some other investment alternative(s) under the plan.
To do this, simply log in to the website or call the Participant Information Center. The opportunity to exchange out of the default investment alternative and into another investment alternative is available every single day, 24 hours a day, 7 days a week via plexus401k.com. Customer Service Representatives are available Monday – Friday from 8am to 8pm Eastern time.
There is no transaction cost, fee or financial penalty relating to an exchange out of the default investment alternative to another plan investment alternative, although, as explained above, a fund may restrict the frequency of exchanges.
The investment of your retirement account is some-thing you control. If you do not direct how
contributions to your retirement account should be invested, then they will be invested in the default investment alternative. The use of the default invest-ment alternative does not guarantee that you will have adequate retirement income or that this is the most appropriate investment for your personal situation. qDIA Notice. (continued)