Account Transactions

If changes are made to your account before 3 p.m. (CST) (11 a.m. CST for Schwab Broker Dealer plans), on a business day, the trades will be placed the same day. Once the transaction is uploaded to our system, the trades will show as “Open” in “Pending Activity.” Once the trades have been placed and settled, usually the following business day, you should see the changes reflected in your account balance.

Potentially, there are a select few funds that cannot be exchanged the same day. In that case, sell trades are sent the day they are pulled with buy trades being sent once the initial sale has settled.

Should you have specific investment questions, please feel free to speak with an investment advisor or your own plan sponsor.

Once you have logged into your account click on the “Rebalance Account” link on the left hand side of the screen. From this new screen you will see where your current contributions are invested and can elect new allocation percentages. If you would like to change where your future contributions will be invested, click on the “Investment Elections” link on the left hand side of the screen. If you are interested in only moving a partial amount of money between one fund and another, you can click on the “Transfer Investments” link and move partial amounts of your balance to funds available to your plan.

In order to change both where your money is invested now and where future contributions will be invested, you must change Investment Elections and also Rebalance. These requests may be made at the same time.

If you have recently made changes to your account, namely, you have rebalanced your account but you may not have changed your future investment elections. Your future investment elections must be changed to change where your future contributions will be invested.

Once you have logged into your account, click on the “Investment Elections” link on the left hand side of the screen. When the next screen pops up, you can decide what percentages and for which funds you would like to invest your future contributions in. Your elections must add up to 100% in order to submit your changes.

We process contributions to the plan as soon as received. In order to do so, we need a file from your employer along with a deposit to process these contributions. As soon as both of these items are received, we will process your contribution and loan payments if applicable. The trades should settle within a couple of days of receipt.

Once you have logged into your account, click on “Statement on Demand” under Personal Performance. You may then customize your dates for the specific range in question. You may also select “Activity Summary” under Personal Performance for a quick look at all activity occurring within the specified date range. In addition, you are provided statements on a quarterly basis which provide the gain/loss information for each of your funds.

Decreases in your shares are a result of on-going plan administration fees that are charged to the plan. Total fees are billed across plan participants on a pro-rated basis. Typically fees are processed between the 3rd and 4th week after the end of a quarter.

The MetLife Stable Value Fund is not a mutual fund.  The ticker is a trading ticker that we use for our operational access to the contract and daily pricing is not available through conventional resources.  Our recommendation is to update the MetLife values in your financial data quarterly with the value from the web or your statement.

Account Detail and Information

You need to login into your account. On the left side tool bar, select "Transaction History." The next screen provides you with the ability to define your transaction search. You can use the drop down boxes to fine tune your search. After completing those selections, click on "Update." The next screen summarizes your search request.

This screen can also be exported to an Excel spreadsheet by selecting the program on right hand side of the screen and clicking on “Export.”

Please use the feedback function via the website. Once you have logged into your account, click on “Contact Information” on the left hand side of the screen. If you are unable to log into your account, you may also send an e-mail to Participant.Services@abgemail.com. Please include your name, your employer’s name, and your updated information.

You must see your plan sponsor in order to change the amount deducted from your compensation for your retirement plan. They will then forward that information to your payroll provider to begin the new deduction.

We usually update hours at the end of every plan year. At that time, your employer will send us current information regarding each employee and we will update our system to reflect this information.

You must work a specific number of hours in each year to be credited with a year of service thus increasing your vesting percentage. The hour requirement is defined in your plan document and should also be listed in your Summary Plan Description (SPD).

Pin and Login Information

At this time, a full social security number and PIN is needed to log into our website, although future enhancements to the website will allow you to choose your username. The login is secure and encrypted to prevent the transmission to be intercepted by any other party. By requiring both pieces of information to gain access to your account, it is our hope that your account is safe-guarded against any type of identity theft. In addition, no taxable distribution transactions are allowed to be initiated from the website, further protecting your account.

Once you have logged into your account, click on the “Change Participant Pin.” From there, you can change your PIN. The change will take effect immediately.

Send an e-mail to forgotpin@abgemail.com, please include in the e-mail your name, the name of your employer, your current mailing address, and your social security number. Once received, a PIN letter will be generated and mailed to the address provided. For security purposes, a PIN cannot be sent via e-mail or given out over the phone.

Please contact our help desk at (888) 412-2445, 7:30 a.m. – 5 p.m. CST Monday – Friday. After verifying your information, your account will immediately be unlocked.

Distributions, Loans, and Hardships

Unfortunately at this time, you are unable to apply for a hardship via the website or the voice response unit. Please see your plan sponsor for paperwork that must be completed and submitted to us. Once we receive all the necessary documentation, we will begin to process your hardship. A check will be mailed within 8 business days from the day we receive the completed information.

This function must be available to your plan. Once you have logged into the website, click on the “Loan Modeling/Request” link on the left hand side of the screen. Complete the information on the page and then click “Calculate Payment.” If you agree to the payment information, click on “Request Loan” and your loan request will be submitted for processing. We will then process your application for the loan. A check will be mailed within 8 business days. Usually, this check goes to your employer so that they may make any necessary copies for payroll purposes.

You will have to speak to your plan sponsor concerning paperwork that must be completed in order for us to process a loan. Once all completed documentation has been submitted to us we will begin processing your loan request. A check will be mailed within 8 business days. Usually, this check goes to your employer so that they may make any necessary copies for payroll purposes.

To receive your account balance, you must see your plan sponsor to request that a Notice of Employee Termination be sent to us. We will then either mail you a distribution package or your plan sponsor will provide you with one. Once we receive the Notice of Termination and the Distribution Benefit Election Form completed and signed, we will process the distribution. This usually takes 8 business days from the day we receive the completed information. All contributions for your account must be received before we can process your final distribution. This may delay your distribution from occurring within 8 business days.

Depending on the specifications in your plan document, if your account balance is less than $5,000.00 and no distribution election is received your employer has the right to force your balance into an individual retirement account (IRA).

Contact Information

Once you have logged in you may use the participant feedback function available on the left hand side of the screen under “Contact Information” or you may contact our help desk at (888) 412-2445, 7:30 a.m. – 5 p.m. CST Monday – Friday.