Enrollment (Self-Initiated)

• Decide how much you want to contribute from your paycheck to your retirement account. Use this calculator to see how different contribution amounts can grow over time.
  

• Choose whether you want to make pre-tax or post-tax Roth contributions—or both. Use this calculator to forecast how much you may pay in taxes during retirement based on each type of contribution.

• Think about your financial goals. Start contributing early and increase your contribution amount when your financial situation permits.

• Keep in mind:

  • Both you and your employer (at their discretion) are able to make contributions to your 403(b) account.

  • The IRS limits how much you can contribute to your account each year. These limits include contributions from you and your employer (if applicable). They are adjusted annually and are higher if you are age 50 or older. If you’re concerned about your employer’s contributions exceeding the limit, you can read about RPB’s Rabbi Trust plan—a non-qualified deferred compensation plan.

• Read about RPB’s Tier 1 Growth & Income Fund. During enrollment, your account will be automatically invested in this fund, which is designed to achieve moderate growth with a lower level of volatility than the Plan’s more aggressive funds. Like all of RPB’s Tier 1 funds, it has diversification built in.

• Decide how to adjust your investments. Once you're enrolled, you must take action to move your investments out of the Growth & Income Fund and into any other fund(s) you choose.

  • Read the Investment Choice Guide for detailed information. (Lea la Guía de Opciones de Inversión en español.)

  • Learn about the 3 investment tiers which include a total of 15 funds you can choose from. You can invest in any combination of the three tiers.

  • Watch the Choosing Investments video (below) for a brief overview.

  • Review in-depth the fund(s) you’re interested in by reading the fund fact sheets and the summary of the fund performance of all of the plan's funds.

TIP: The earlier you start contributing to your retirement account, the more time your investments have to grow and potentially benefit from compounding interest. In brief, compounding means any earnings on your investments go back into your account without being taxed and can potentially generate their own earnings.

• Learn about RPB’s insurance options included in the plan or at low-cost to you. Along with your retirement savings, it’s important to have other safety nets in place to provide financial security for you and your loved ones.

  • You will automatically receive Basic Term Life Insurance when you contribute at least 10% of your compensation to the RPB Plan annually.*

  • Talk to your employer about RPB's Long Term Disability Insurance (LTD).

    • You will automatically receive Contribution Insurance when you are enrolled in LTD and you contribute at least 10% of your compensation to the RPB Plan annually.*

^{*Contributions may come from the employee, the employer, or both.}

If you are eligible for the Plan, RPB will send you an email with your login credentials for your secure enrollment portal. Once you’ve received that email, finish enrolling:

Set up your MyRPB for Participants account

1. Click “LOG IN” in the upper right corner of this website.

2. Then click “LOG IN” under “Participants.” This will take you to the Fidelity NetBenefits page, where you’ll click “Register as a new user” at the bottom of your screen.

3. Follow the instructions to finish setting up your login credentials.

TIP: If you already have an account with Fidelity (a brokerage account, IRA, or another workplace account), you can log in to your new RPB account using your existing Fidelity credentials here, rather than creating a new account.

1. Click “Manage Investments” to review and change your investments.

2. Click “View/Update Beneficiaries” to review your retirement and life insurance beneficiaries. (We recommend that you add life insurance beneficiaries even if you do not yet qualify for RPB's basic term life insurance.)

3. Read the MyRPB for Participants User Guide for detailed instructions on using the portal.