Contact the Montgomery County Employee Retirement Plans at 240-777-8230 or at retirement@montgomerycountymd.gov to discuss how to enroll in the Plan.

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 help you choose an appropriate mix, are available online.

We encourage you to take an active role in the Montgomery County DRSP/DROP and choose investment options that best suit 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 State Street Target Retirement Non-Lending Series Fund Class W 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 Montgomery County.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the State Street Target Retirement Non-Lending Fund Class W. More information about the State Street Target Retirement Non-Lending Series Fund Class W options can be found online.

Target 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.

For those desiring the most investment flexibility and choice, the Plan offers Fidelity BrokerageLink^®, a self-directed brokerage account, which provides you with the opportunity to select from thousands of investment options beyond those offered in the standard plan lineup. More information about BrokerageLink^®, including an overview, the commission schedule, and a fact sheet that outlines the Plan-level restrictions and other settings, is available online at NetBenefits. Click on "Quick Links," then select "BrokerageLink."

Contact the Board of Investment Trustees at 240-777-8220 to receive the Fidelity BrokerageLink^® forms.

Loans are not available in this Plan.

You must receive a withdrawal when you elect to exit the Plan or at the end of 3 years of participation in the Plan. Contact the Montgomery County Employee Retirement Plans at 240-777-8230 to discuss withdrawal options.

If you have not already selected your beneficiaries, or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your beneficiary designations. Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile & Settings” icon in the upper right-hand corner, then select “Beneficiaries” and follow the online instructions.

Receiving communication by email offers you greater convenience and will help keep you up to date on topics related to your retirement plan. Simply log on to NetBenefits^® and click on the Profile & Settings icon to reach the Profile page. Once there, click Personal and Contact Information and update your preferences accordingly.

A full-time Workplace Financial Consultant, is located in the Executive Office Building (EOB) 101 Monroe Street, 6th floor. The Workplace Financial Consultant is available to answer your questions and can be reached at 240-777-8228.

Fidelity offers (1-hour) one-on-one meetings to help answer your questions about the new fund lineup and tools available on Fidelity’s website. By attending one of these meetings, you will learn how you can obtain the maximum benefit from the Plan features and get answers to your retirement planning questions. To register for a one-on-one session with the Fidelity Workplace Financial Consultant, go to www.montgomerycountymd .gov/mcerp/education/fidelity-sessions.html.