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Frequently asked questions about your plan.

Here are answers to questions you may have about the key features, benefits, and rules of your plan.

How do I enroll in the Plan?

Log on to Fidelity NetBenefits® at www.fidelity.com/atwork or call the Fidelity Retirement Services Line at 1-800-343-0860 to enroll in the Plan.

deductions will generally begin with your next pay period after we receive your enrollment information, or as soon as administratively possible.

How much can I contribute?

What if I don't make an investment election?

We encourage you to take an active role in the Oakland County Deferred Compensation Plan and choose investment options that best suits your goals, time horizon, and risk tolerance. If you do not select specific investment options in the Plan, your contributions will be invested in the Fidelity Freedom Fund with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of the Plan Sponsor.

Please see the chart located in the Investment Options section for more information regarding the Fidelity Freedom Funds®.

If no date of birth or an invalid date of birth is on file at Fidelity your contributions may be invested in the Fidelity Freedom income Fund. For more information about the Fidelity Freedom Fund options, log into www.fidelity.com/atwork/.

Log In

Please Note

SSN or Customer ID*

If you have an account on Fidelity.com, use the same ID and PIN to access NetBenefits.

Forgot Yo ur Customer ID?

PIN

Forgot Your PIN?

New User

Log I n

New User Registration for customers who have never logged in.

*A C u s t o m e r ID i s an identifier you can create to u s e i n place of your Social Security N u m b e r ( S S N ) to log i n .

Not sure if you’re already a registered user?

Manage Your Login

Change your Customer ID and PIN in Your Profile periodically to keep them secure.

Through automatic payroll deduction, you can contribute a minimum of $10 on a pre-tax basis, up to the IRS dollar limits.

What are the IRS contribution limits?

If you are under age 50 the IRS contribution limit is $16,500 for 2010. If you will be at least age 50 during the year, your plan may allow you to defer an additional $5,500 as catch-up contributions.

Special Catch-up Provision If you haven't always contributed up to the IRS annual limit, you may be able to make additional "special catch-up" contributions to your Retirement Savings Plan. This is a big opportunity for some employees. In 2010, the maximum allowable special catch-up contribution limit is $33,000-twice the regular limit of $16,500. This contribution may be used in one or more of the three consecutive years prior to the year in which you attain normal retirement age under the plan. This option gives you an opportunity to catch up on contributions you could have made in previous years. To initiate a catch-up contribution, contact the Oakland County Human Resources, Retirement Unit at 1-248-858-2191. You may use only one of the catch-up provisions (age 50 or regular) in a given year.

 Create or Change Your Customer ID  Change Your PIN  Reset a Forgotten or Blocked PIN

What are my investment options?

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NetB e n e f i t s Te c h n i c a l Help

For illustrative purposes only. When is my enrollment effective?

Your enrollment becomes effective once you elect a dollar amount, which initiates deduction of your contributions from your pay. These salary

To help you meet your investment goals, the Plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. The many investment options available through the Plan include conservative, moderately conservative, and aggressive funds. A complete description of the Plan's investment options and their performance, as well as planning tools to

FAQs

For more information, visit www.fidelity.com/atwork or call 1-800-343-0860.

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