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  • CEMENT MASONS AND PLASTERERS 401(K) TRUST
    2025-2026 APPLICATION FOR 401(K) DEFERRAL CONTRIBUTIONS

  • Instructions:  This application is for members wishing to defer compensation from their hourly wage to the 401(k) plan on a pre-tax basis. It applies to participants whose employers are contributing on their behalf during September 2025 through August 2026. This enrollment period occurs once a year. Your update election will be effective the first payroll period following September 1, 2025. If you wish to save to the 401(k) plan, please fill out the following information:

    1. Your basic information
    2. Amount you wish to defer: indicate the whole-dollar amount per hour you wish to defer (save) in the 401(k) plan
    3. Check the appropriate boxes indicating your situation and signature
    4. If you are first electing to make deferrals or changing your deferral amount, you’re done! But if you are currently contributing and wish to stop, fill out the “Termination of Deferrals” section.

  • Materials on why to save and the power of pre-tax deferrals are available at the Trust website (www.cementmasonstrust.com).

  • Basic Information

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  • Important Notes:

    1. If you do not make an election on the next page, or if you do not return your form timely, your contribution rate will remain the same as the rate you are currently contributing (if you have not contributed your own money before, this will remain $0.00). You will have to wait until the next open enrollment period to change.
    2. You can change to $0.00 at any time during the year. Fill out the “Termination of Enrollment” section on the next page at any time and submit to the Fund Office.
    3. The level of contributions you make is your choice.
    4. The Trust provisions, including distribution option rules, are outlined in the Cement Masons and Plasterers 401(k) Trust Booklet which are be available upon request and on the Trust website www.cementmasonstrust.com, under the 401(k) tab. 

    Employees participating under the terms of an Associate Agreement for non-bargaining unit employees should confirm eligibility with their employer.

    This election will be effective after September 1, 2025 with the first payroll period following receipt and processing by my employer.

  • Amount You Wish to Defer (Save)

  • Please check boxes and fill in information below as applicable, then date and sign.

  • Clear
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  • TERMINATION OF DEFERRALS

  • Note: Your election to stop wage or salary deferral contributions does not affect your employer’s obligation to pay required hourly employer contributions on your behalf. Employers will continue to make contributions as stated in the applicable Collective Bargaining Agreement or Associate Agreement.

  • Clear
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