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Fixed income fund sample includes the Morningstar historical categories: Corporate Bond, Inflation-Protected Bond, Intermediate Government, Intermediate-Term Bond, Muni California Intermediate, Muni National Intermediate, Muni National Short, Muni New York Intermediate, Muni Single State Short, Short Government, Short-Term Bond, Ultrashort Bond, and World Bond.

Index funds and fund-of-funds are excluded from the sample.

US-domiciled open-end mutual fund data is from Morningstar and Center for Research in Security Prices (CRSP) from the University of Chicago.

Equity fund sample includes the Morningstar historical categories: Diversified Emerging Markets, Europe Stock, Foreign Large Blend, Foreign Large Growth, Foreign Large Value, Foreign Small/Mid Blend, Foreign Small/Mid Growth, Foreign Small/Mid Value, Japan Stock, Large Blend, Large Growth, Large Value, Mid-Cap Blend, Mid-Cap Value, Miscellaneous Region, Pacific/Asia ex-Japan Stock, Small Blend, Small Growth, Small Value, and World Stock.

You are generally allowed to withdraw money from your plan when you leave your employer, retire or become permanently disabled.

Also you may be eligible for a distribution if you have a financial hardship as defined by your plan.

See the fact sheet and commission schedule for applicable fees and risks.

For more information or to open your own Brokerage Link You have 60 days from your hire date to enroll in the MCRP.

For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.

The plan fiduciary neither evaluates nor monitors the investments available through Brokerage Link.

It is your responsibility to ensure the investments you select are suitable for your situation including your goals, time horizon, and risk tolerance.

The number of beginners is: Industry- 3,545 and Dimensional- 29.

Outperformers (winners) are funds with return observations for every month of the 15-year period whose cumulative net return over the period exceeded that of their respective benchmark.

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If you were hired prior to this date the employer paid contribution is 8% of salary.

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