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NORTHWESTERN OHIO PLUMBERS & PIPEFITTERS
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

Northwestern Ohio Plumbers and Pipefitters Retirement Plan

A 401(a) plan, also known as a money-purchase retirement savings plan, is a plan set up by an employer that allows for tax-deferred contributions by the employee, the employer, or both.

  • To learn more before you enroll, see Investment Options & Plan Basics below.
  • Plan Basics

  • Investment Options

Choose from the tiers of investments below. Tiers are distinct categories designed to simplify your investment choices. At any time, you may use investments from any and all tiers.

Single-fund Solution

Explore Your Investment Options - shows details. Click to open.

When and Why:

Depending on your plan, there are two options to consider: Target Date Funds which are based on an anticipated retirement date and Target Allocation Funds that are based on a risk tolerance and time horizon.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

FID FREEDOM 2005 K

Inception Date 11/06/2003

Blended Investments*

N/A

16.99%

6.48%

6.76%

5.30%

5.22%

0.00%

1.07%

03/31/2021

FID FREEDOM 2010 K

Inception Date 10/17/1996

Blended Investments*

N/A

22.11%

7.49%

7.91%

6.24%

6.65%

0.74%

2.09%

03/31/2021

FID FREEDOM 2015 K

Inception Date 11/06/2003

Blended Investments*

N/A

27.45%

8.44%

9.02%

6.86%

6.40%

1.48%

3.12%

03/31/2021

FID FREEDOM 2020 K

Inception Date 10/17/1996

Blended Investments*

N/A

32.66%

9.36%

9.94%

7.40%

7.16%

2.22%

4.08%

03/31/2021

FID FREEDOM 2025 K

Inception Date 11/06/2003

Blended Investments*

N/A

36.74%

10.01%

10.67%

8.01%

7.17%

2.72%

4.80%

03/31/2021

FID FREEDOM 2030 K

Inception Date 10/17/1996

Blended Investments*

N/A

42.20%

10.81%

11.96%

8.70%

7.50%

3.32%

5.66%

03/31/2021

FID FREEDOM 2035 K

Inception Date 11/06/2003

Blended Investments*

N/A

51.80%

12.01%

13.29%

9.43%

7.94%

4.71%

7.55%

03/31/2021

FID FREEDOM 2040 K

Inception Date 09/06/2000

Blended Investments*

N/A

57.77%

12.78%

13.81%

9.71%

5.42%

5.70%

8.85%

03/31/2021

FID FREEDOM 2045 K

Inception Date 06/01/2006

Blended Investments*

N/A

57.85%

12.79%

13.81%

9.73%

7.51%

5.81%

8.86%

03/31/2021

FID FREEDOM 2050 K

Inception Date 06/01/2006

Blended Investments*

N/A

57.78%

12.80%

13.82%

9.70%

7.38%

5.76%

8.79%

03/31/2021

FID FREEDOM 2055 K

Inception Date 06/01/2011

Blended Investments*

N/A

57.70%

12.77%

13.81%

--

9.99%

5.72%

8.80%

03/31/2021

FID FREEDOM 2060 K

Inception Date 08/05/2014

Blended Investments*

N/A

57.77%

12.79%

13.79%

--

10.57%

5.76%

8.81%

03/31/2021

FID FREEDOM 2065 K

Inception Date 06/28/2019

Blended Investments*

N/A

57.72%

--

--

--

19.39%

5.73%

8.79%

03/31/2021

FID FREEDOM INC K

Inception Date 10/17/1996

Blended Investments*

N/A

14.02%

5.91%

5.76%

4.47%

4.95%

-0.34%

0.62%

03/31/2021

CORE FUNDS

Explore Your Investment Options - shows details. Click to open.

When and Why:

Investors may choose from a range of fund choices that reflect different styles and goals.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on the fund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the name of the fund below for risks specific to that fund.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

AF GROWTH OF AMER R5

Inception Date 11/30/1973

Stock Investments

Large Cap

66.82%

19.83%

20.11%

15.29%

14.18%

2.55%

7.20%

03/31/2021

TRP EQUITY INCOME

Inception Date 10/31/1985

Stock Investments

Large Cap

60.36%

10.50%

12.21%

10.11%

10.78%

13.38%

16.01%

03/31/2021

VANGUARD INST INDEX

Inception Date 07/31/1990

Stock Investments

Large Cap

56.34%

16.76%

16.27%

13.89%

10.47%

6.18%

10.29%

03/31/2021

VANG EXT MKT IDX ADM

Inception Date 12/21/1987

Stock Investments

Mid-Cap

97.93%

18.20%

18.00%

13.14%

11.58%

7.79%

11.26%

03/31/2021

VANG STR SMCP EQ INV

Inception Date 04/24/2006

Stock Investments

Small Cap

96.29%

11.42%

12.78%

11.49%

8.31%

18.51%

21.25%

03/31/2021

DFA INTL SMALL CO I

Inception Date 09/30/1996

Stock Investments

International

65.83%

5.15%

9.72%

6.91%

7.29%

5.92%

9.72%

03/31/2021

DFA LARGE CAP INTL I

Inception Date 07/17/1991

Stock Investments

International

49.66%

6.17%

9.30%

5.41%

5.93%

4.60%

7.61%

03/31/2021

VANG TOT INTL STK AD

Inception Date 04/29/1996

Stock Investments

International

52.80%

6.51%

9.97%

5.22%

5.25%

3.94%

6.38%

03/31/2021

BR HIGH EQ INC IS

Inception Date 05/01/1998

Stock Investments

Specialty

50.10%

9.16%

10.61%

8.96%

12.97%

11.49%

13.91%

03/31/2021

MIP CL 1

Inception Date 09/07/1989

7 day yield** % as of 03/31/2021 : .99

Bond Investments

Stable Value

1.31%

1.63%

1.50%

1.32%

3.90%

0.25%

0.29%

03/31/2021

BAIRD AGGR BOND INST

Inception Date 09/29/2000

Bond Investments

Income

3.40%

5.17%

3.70%

4.20%

5.26%

-3.39%

-2.71%

03/31/2021

SELF-DIRECTED BROKERAGE

Explore Your Investment Options - shows details. Click to open.

Are you interested in investing in options beyond what your plan offers?

A self-directed brokerage account allows you to make investments outside of your workplace retirement savings plan.

For more information or to open a self-directed brokerage account, first enroll in your Fidelity workplace retirement savings plan. Then visit Fidelity BrokerageLink® Central to review additional information, including the commission schedule for applicable fees and risks.

BrokerageLink includes investments beyond those in your plan's lineup. You should compare investments and share classes that are available in your plan's lineup with those available through BrokerageLink, and determine the available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

You are automatically enrolled in the Plan. To participate, simply log on to Fidelity NetBenefits® at www.netbenefits.com/nwopp or call the Fidelity Retirement Service Center at 1-866-84-UNION (1-866-848-6466) to select your investment allocations.

Contributions - shows details. Click to open.

As a member of the Northwestern Ohio Plumbers and Pipefitters Retirement Plan, you will receive Employer contributions to your retirement account based on the terms of the Collective Bargaining Agreement. Contributions to your account have the potential to grow tax-deferred-allowing your investment the potential to grow more than if you were invested in a taxable account.

Vesting - shows details. Click to open.

When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions to your plan, as well as any earnings on them.

Beneficiaries - shows details. Click to open.

If you have not already selected your beneficiaries, or if you have experienced a lifechanging event such as a marriage, divorce, birth of a child, or a death in the family, it's time to consider your beneficiary designations. Your beneficiary designations are maintained at the Northwestern Ohio Plumbers and Pipefitters benefits office. To obtain a new data card or change your beneficiaries just contact the office directly at 419-662-1388.

Withdrawals - shows details. Click to open.

Withdrawals from the plan are generally permitted only when you retire. Please review the Plan document or summary plan description for the rules governing eligibility to request a withdrawal.

Moving money - shows details. Click to open.

If you have retirement savings in another employer's plan or in an IRA, consolidating accounts may help make it easier to manage your savings but there are several options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you're not sure about the best option for you, talk to a Fidelity representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.

Account access - shows details. Click to open.

Online, on the phone, or in person, you have access to your account the way you want it. Log in online to NetBenefits® virtually 24/7 or call Fidelity at 1-800-84-UNION (1-866-848-6466) to speak with a representative or use the automated voice response system.

Additional investment and account information - shows details. Click to open.

Fidelity Retirement Planners provide complimentary one-on-one guidance for participants in your plan. You can also contact Fidelity for a statement of your account by calling 1-800-84-UNION (1-866-848-6466) or visiting NetBenefits®.

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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

** The current yield of the money market mutual fund listed above reflects the current earnings of the fund, while the total return refers to a specific past holding period.

*** The yield without applicable waivers or reimbursements, whenever Fidelity is subsidizing all or a portion of the fund's expenses as of the current reporting period. Absent such waivers or reimbursements, the returns would have been lower. Waivers and/or reimbursements may be discontinued any time.

Investing involves risk, including risk of loss.

Footnotes 1, 2, 3 and 4 below pertain to the performance tables located on the Investment Options tab:

1 Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.

2 Total returns are historical and include change in share price and reinvestment of dividends and capital gains, if any. These figures do not include the effect of sales charges, if any, as these fees are waived for contributions made through your retirement plan. If sales charges were included, returns would have been lower. Life of fund figures are from the inception date to the period shown. For unitized funds, the inception date shown may be that of the fund's underlying investment option. For non-mutual fund pools and trusts whose strategies may be offered to multiple clients, and whose returns may be based on a composite, the inception date shown may be the beginning date of the composite's returns.

3In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

4Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

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