Transamerica's New Enrollee Presentation Booklet -  Review this 16 page information booklet to learn more about your retirement plan and specific retirement planning strategies to help you save for retirement.	.pdf Form
Plan Enrollment/Change Form - Use this form to enroll in the plan or to change your name, elective deferral (the amount deducted from your pay check), investment fund options, and your beneficiary designation.	.pdf Form
Plan Beneficiary Change Form - This form is part of the Multi-purpose Enrollment/Change Form.  Use it to name or change a primary or secondary beneficiary.  In the event death occurs your account balance would be paid to the named beneficiary.  If you are married you are required to name your spouse as the beneficiary unless he or she agrees (in the presence of a notary) to someone else or another entity to be named.	.pdf Form
Cash Out Distribution Request Form - Use this form if a distributable event has occurred making you eligible for a distribution from your plan account.  Generally a 'distributable event' must occur in order for the plan trustees to pay out retirement benefits (see below).	.pdf Form
Death Benefit Claim Form - If there is more than one Beneficiary, each Beneficiary must submit a Death Benefit Claim form. You must also attach a certified copy of the deceased Participant's death certificate.	.pdf Form
Hardship Withdrawal Form - Monies requested must be used for one of the following purposes: 1) Purchase of a Participant's principal residence; 2) Tuition and educational expenses of a Participant, spouse, or dependent(s); 3) Medical and/or hospital expenses for a Participant, spouse, or dependent(s); or 4) Prevent eviction or mortgage foreclosure of a Participant's principal residence. You are required to provide proof of this hardship to your Employer.	.pdf Form
Loan Application Form - AMT's Plan participants should use this form to apply for a loan from their 401(k) account.  First, please read your SPD (Summary Plan Description) and the Loan Policy Statement for the Plan.  The plan permits a minimum loan of $1,000 and no more than 50% of any vested interest of your account balance up to $50,000.	.pdf Form
Direct Rollover Form - Completion of this form provides for you to direct your retirement assets from a previous employer's qualified plan, or from an IRA rollover account with another institution, and transfer your retirement assets to your current employer's plan.  This will allow you to manage your retirement assets in one program.	.pdf Form
Minimum Required Distribution Form - These guidelines are designed to provide general information about the Minimum Required Distributions (MRD) applicable to retirement plans under the Internal Revenue Code.	.pdf Form
IRS Special Tax Notice - This notice explains how you can continue to defer federal income tax on your retirement savings in your Employer’s Plan (the "Plan") and contains important information you will need before you decide how to receive your Plan benefits.	.pdf Form
Client Company Plan Adoption Package - This package contains each of the three client company forms listed below.  Clients that choose to adopt the AMT 401(k) Retirement Plan should complete this package and submit the forms to AMT's office with signatures where required.	.pdf Form
Client Company Adoption Acceptance Agreement Form - Included in the 'Plan Adoption Package' -  AMT's PEO Clients should use this form to adopt the AMT 401k Profit Sharing Plan in conjunction with the Client Company Deposit Estimate Fact Sheet and the Client Company Checklist Application.	.pdf Form
Client Company Checklist Application - Included in the 'Plan Adoption Package' -  AMT's PEO Clients should use this form to apply for the AMT 401k Profit Sharing Plan in conjunction with the Adoption Acceptance Agreement and the Client Company Deposit Estimate Fact Sheet.	.pdf Form
Client Company Deposit Estimate Fact Sheet - Included in the 'Plan Adoption Package' -  AMT's PEO Clients should use this form to apply for the AMT 401k Profit Sharing Plan in conjunction with the Adoption Acceptance Agreement and the Client Company Checklist Application.	.pdf Form
Addendum To The Adoption And Acceptance Agreement - for ASO payroll clients to participate in the American Management Technologies 401(k) Plan.	.pdf Form

FOR YOUR INFORMATION

Prior to taking any distributions from your plan we recommend you read the 'IRS Special Tax Notice'.  Distributable events include: 

• reaching age 59 1/2 (even if still working and the plan allows - check SPD)

• death 

• permanent disability 

• termination of employment (including retirement)

• financial hardship (if plan allows - check SPD)

• plan termination (employer no longer sponsors the plan)

When must I take a distribution?  

Distributions must begin by April 1 of the calendar year following the year in which the participant attains age 70 1/2 or by the year of retirement if later, and the second distribution must be taken by the end of that same year. Each subsequent annual distribution must be taken by December 31st of each year. Owners of 5% or more of the sponsoring business (and any employee relatives) must begin distributions by April 1 of year following attainment of age 70 1/2.

Distributions may be taken in a lump sum, or via systematic withdrawals, or annuitized (taken in regular payments over time) and must be initiated by the plan trustee.

Are there any taxes or penalties on distributions?

Generally, distributions will be taxable as income to the recipient, although some participants may be able to reduce their tax liability through forward averaging. 

Distributions taken before age 59 1/2 incur a 10% early withdrawal penalty on the taxable amount actually distributed prior to attainment of age 59 1/2, death, permanent disability or separation from service after attaining age 55. The penalty is not applicable to distributions received as substantially equal payments under Section 72(t).

An "excess accumulation" penalty tax of 50% will be applied to any amount that should have been distributed--based on minimum required distributions (MRDs)--but was not distributed.

We encourage ALL plan participants to seek tax or legal counsel when considering a distribution from your retirement plan.