ABC Companies has adopted qualified retirement plans that provide you with the opportunity to save for retirement. In addition to your own 401(k) salary deferrals, ABC Companies makes annual profit sharing contributions. These contributions are discretionary and require one year of service before eligibility begins. Once you are an eligible participant, a percentage of your annual compensation is deposited into your account at Empower. These ABC Companies’ deposits have historically occurred in the first quarter of each calendar year for the prior year. Contact Human Resources with any questions you might have regarding the specifics of this benefit: www.participant.empower-retirement.com.