Welcome Ricart Employee

Pension Advisors

  • 1-877-595-0833



  • You have access to your account on the Principal website to view your account, change your investment options or manage your beneficiary election.  The website is www.principal.com/welcome.  You can also call the Retirement Service Center (RSC) at 1-800-547-7754 and speak to a representative.

Automatic Enrollment:

  • You will be automatically enrolled at 4% unless you choose to opt out of the planThis means your annual salary will be reduced by 4% per year and that amount will be invested in your plan account.
  • If your annual salary is $22,000 then approximately $73 a month will be deposited to your account in the plan.
  • When you are automatically enrolled into the plan your money will be invested in the plans Target Date fund.
  • The maximum amount you can contribute in 2018 is $18,500 if you are under age 50 or $24,500 if you are 50 years old or older.

Automatic Deferral Increase: 

  • Your deferral percentage will be automatically increased by 1% each year until your deferral percentage reaches 7% unless you opt-out of the auto-increase program.

Target Date Funds

  1. The Ricart 401(k) Plan offers Vanguard Target Date funds.
  2. A Target Date fund is a mix of investments (stocks/bonds/cash) that are strategically allocated with your retirement date in mind (or your 65th birthday).
  3. Here’s how Target Date Funds work:  if you will be retiring in 2050 your Target Date Fund will have an aggressive allocation (approximately 90% in mutual funds and 10% in bonds) while if you will be retiring in 2020 you will be more conservative (with approximately 55% in mutual funds and 45% in bonds).
  4. Not quite sure . . . give us a call we are here to help!


Company contributions - Vesting Schedule

  • Ricart's contribution is subject to a vesting schedule, which means how much of the company contribution you are entitled to, based on your years of service. 

Years of Service               Vesting %

Less than 2                                                0%

2                                                                20%

3                                                                40%

4                                                                60%

5                                                                80%

6                                                                100%

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Adviseme National Advisors is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ and it is important for you, our client, to understand the differences. Read Full CRS Here.

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1st Qtr Market Insights Call

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