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401(a) - 403(b) - VEBAS

Cowan has 3 vehicles available for investing in retirement.

403(b) - All Cowan employees are eligible to contribute a portion of their salary into a 403(b) plan.  the 403(b) is a retirement plan that is pretaxed until retirement (tax deferred).  Cowan has 3 vendors that may be used through Payroll Deduction.

American Fidelity     Michael Marshall     michael.marshall@americanfidelity.com
                                     317-965-7595
MetLife                   Andrea Whitican     awhitican@onetoonefa.com  
                                      317-819-7352

Foresters                Bauer Schmeltz     bauer.schmeltz@foresters.com
         (previously First Investors)                    317-842-8488 Ext. 201

401(a) - Certified Staff have 1.5% of base incomes paid BY COWAN into a 401(a) plan through MetLife.  It is important to note that there is a 6 year VESTING period.  Failing to work for Cowan for 6 years, could result in forfeiting your 401(a) account.  

MetLife   Andrea Whitican   awhitican@onetoonefa.com
                                                317-819-7352

           CLICK HERE TO LOGIN TO METLIFE IN A NEW WINDOW.
         CLICK HERE TO SEE FUND PERFORMANCE AS OF OCT. 2017
         CLICK HERE TO SET UP YOUR MET LIFE ACCOUNT


VEBA - Certified Staff have 1.5% of base income paid BY Cowan into a Voluntary Employees' Beneficiary Association through Security Benefits.  The funds can be used during retirement for medical expenses and in some cases medical premiums.  The same vesting period as the 401(a) applies.

Security Benefits Lesta Andersen lestaandersen@legendequities.com Phone: 765-274-5545 CLICK HERE TO LOGIN TO YOUR VEBA VIA EMJAY     There may be some differences in how VEBA money can be spent. Money contributed to     Security Benefits may be spent differently than money contributed to ISTA Financial Servi     ces.

          CLICK HERE FOR A COMPARISON CHART