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CARES Act FAQs
The Coronavirus Aid, Relief and Economic Security (CARES) Act enacted on March 27, 2020 includes several key provisions that may positively benefit retirement plan participants. Below you will find additional information about these provisions. Plea...
Vested Balance
Vesting is your ownership in your retirement account balance. You are always 100% vested in your Employee Deferrals, Rollover Contributions and in the associated investment gains. However, money contributed by the Employer may be subject to a vestin...
Employer Contributions
Your Employer may make a Match contribution. The amount of this contribution, if any, will be determined by your Employer. In general, you will be eligible for your company's Match contribution when you meet the initial entry requirements for th...
Beneficiary Designation
A beneficiary is any person, trust, or entity that is designated by the financial account holder to receive some portion of the assets in the account after he or she dies. A primary beneficiary is simply first in line to receive the assets in the ...
Contributions to Plan After Termination
While you may no longer contribute to your employer sponsored 401(k) or 403(b) plan once you leave  the company, your employer, in most cases, is still obligated to maintain it for  your benefit. There are some exceptions. If your comp...
Can I Roll Funds From My Previous Employer Into My Current Plan?
If your plan allows, you may roll money from a prior employer’s qualified plan or IRA into your current employer’s plan with Sentinel. If you are unsure whether your current plan allows rollover contributions, check your Summary Plan Des...
Mobile App
The Sentinel Benefits app gives you real-time access to your retirement account balances as well as the ability to process account transactions wherever you are.  Search for "Sentinel Benefits" and download the app from the iTunes Ap...
What is a Prospectus?
A prospectus is a document that is required by and filed with the Securities and Exchange Commission (SEC). A prospectus is issued to provide information about an investment and informs investors or potential investors about the risks involved with ...
Retirement Plan Fees
Administration expenses - These are charges for services such as legal, accounting, recordkeeping, and, if applicable to your company's plan, investment advisory expenses.The Plan pays certain outside service providers for these administrati...