Making Contributions to the Southern California Pipe Trades Defined Contibution Fund provides the Employee with retirement savings that are in addition to the traditional pension benefits and Social Security income.

Employees working under a District Council #15 Collective Bargaining Agreement that permits participation, may elect to save a portion of their hourly wage under the terms of the Defined Contribution Plan.

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 witholds 401(k) Contributions from pay and sends them to SCPTAC, which in turn forwards the contributions to the Plan recordkeeper.

401(a) Contributions are Employer contributions to the Plan 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(s).