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Defined Contribution

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Making contributions to the Southern California Pipe Trades Defined Contribution Fund provides the Participant with retirement savings that are in addition to traditional Retirement Fund pension and Social Security benefits.

A Participant working under a District Council #16 Collective Bargaining Agreement, or participation agreement that permits participation, may elect to save a portion of his/her hourly wage under the terms of the Defined Contribution Plan. 

PRE-TAX 401(k) 
Regular Pre-tax 401(k) Contributions are pre-tax deductions from wages in an hourly amount elected by the Participant. The rate remains in effect until the Participant changes it. The Employer withholds 401(k) contributions from pay pre-tax and sends them to the SCPTAC, which in turn forwards the contributions to the Plan recordkeeper. 

AFTER-TAX ROTH 401(k) 
After Tax Roth 401(k) Contributions are after-tax deductions from wages in an hourly amount elected by the Participant. The rate remains in effect until the Participant changes it. The Employer withholds Roth 401(k) contributions from pay after-tax and sends them to the SCPTAC, which in turn forwards the contributions to the Plan recordkeeper.

Employer 401(a)
401(a) Contributions are Employer contributions to the Plan made only if required by the Collective Bargaining Agreement. 401(a) Contributions are also known as "Employer Contributions" and "Non-Elective Contributions". The Collective Bargaining Agreement determines the amount contributed, if any. 

For further information, please refer to the Summary Plan Description. 

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Summary Plan Description & Supplements

Summary Plan Description - Jul 2013

Supplement #1 - Jul 2013
(ROTH Contributions)

Supplement #2 - Oct 2013
(Auto Enrollment)

Supplement #3 - Mar 2014
(Recognition of Same-Sex Marriages)

Supplement #4 - Nov 2014
(Distributions for Missing Participants Upon the Termination of the Plan)

Supplement #5 - Nov 2014
(Same-Sex Spouses)

Supplement #6 - Feb 2015
(Withdrawal of 401(a) Employer Non-elective Contribution Account)

Supplement #7 - May 2015
(Changes to When You Can Be Required to Take a Distribution from the Plan)

Supplement #8 - Nov 2015
(Normal Retirement Age)

Supplement #9 - Nov 2016
(Benefit Payment onTermination of Employment)

Supplement #10 - Apr 2017
(New Investment Lineup)

Forms

General Forms

DC Fund Enrollment/Change/Opt Out Form

Enrollment & Beneficiary Form

Change of Address Form

Retirement or Termination Withdrawal Forms

Retirement/Disability/ Termination Distribution Application

Retirement Declaration Form

Certification of Termination of Employment

Hardship Forms

Hardship Withdrawal Application

Other Distribution Forms

Special Employer Account [401(a)] Withdrawal Application

Payment Due to QDRO Application

Death Benefit Application

Information

Special Notes Regarding Hardship Withdrawals

John Hancock Defined Contribution Fund Kit

 

Southern California Pipe Trades Administrative Corporation | 501 Shatto Place, 5th Floor | Los Angeles | CA 90020 | (800) 595-7473 | Press Option "2" for Member Services | Outside US (213) 385-6161 | Fax (213) 383-0725