You can enroll in your Plan's 401(k) Account online at any time at Jocelyn Pension Consulting. From the main website, click on the Log In button in the upper right-hand corner. Note, your Plan sponsor will need to set you up in the system prior to you having access to the website.
To log in to your account for the first time, your default User ID and Password are below:
- Your User ID: your social security number entered without dashes
- Your Password: last four digits of your social security number
Once you have logged in, you will be prompted to select and answer security questions. Be sure to pick responses that are easy for you to remember. Once completed, select Submit.
In the next screen, you will have the opportunity to enter or update your personal information by expanding each menu.
Under Your Personal Information, enter Martial Status, Address Information, and Home Phone number.
Under Email, enter all applicable email addresses, what address emails should be sent to, and if you would like to receive electronic statements. Note, you will be required to enter a Home email address.
Under Username Information, you can establish a new Username and Password. Note, both your User ID and Password are case sensitive, must contain letters and numbers, should be between 6 and 30 characters, and cannot match.
Under Security Questions, your chosen questions will display along with previously entered answers. If applicable, make any updates. Once complete, select Submit.
In the New Employee Enrollment window, you will be prompted to use the iJoin Goal-Based Retirement Income program. iJoin is a personalized, goal-based enrollment experience designed to help you optimize your savings potential in order to set you on a path to long-term success with your retirement savings. Prior to entering the enrollment process, a link is displayed which will take you to your Plans enrollment materials. Note, if you click on the enrollment materials link you will need to log back into Jocelyn Pension Consulting to begin the enrollment process.
After selecting the iJoin Goal-Based Retirement link, you will be directed to the iJoin enrollment website where you will be guided through the enrollment process. Click Let's Get Started to continue.
You can watch a brief video that gives you a high-level overview of the process. Select Continue to begin the enrollment process.
In Your Personal Information, enter any missing information and then select Continue.
Under Your Income & Savings, enter your current Annual Salary. In this section, you also have the ability to enter any outside IRA and 401(k) accounts that you have. Simply move the toggle switch to yes to display additional fields.
If applicable, enter any outside savings or retirement plans. This additional information will allow for a more accurate projected retirement outcome. Once complete, select Continue.
Next, you will have the option to choose your investments. You can either select the My Target Date Investment, which is a Target Date Fund based on the year that you turn age 65. Target date funds mix several different types of stocks, bonds, and other investments in a single solution rather than you creating a mix yourself. These funds take more investment risks when you're young and gradually get more conservative as you near retirement. You also have the option to Choose Myself in order to create a customized portfolio based on your personal investment objectives. Note, you can change your investment elections at any time.
Under the Choose Myself method, you will be able to view detailed information for each investment by clicking the arrow icon next to the investment name. In a separate window, you will be directed to the Morningstar website where you will be able to review performance information and additional details regarding the investment.
Use the slider under each investment to elect the percentage of your contributions that you would like to have allocated to each investment. Note, the total must equal 100% before you can continue. Once complete, select Save.
Your Retirement Snapshot will display Your Projected Retirement Income based on the information you have entered to this point. You will be able to adjust your elections on the following screen. Select Continue.
Under Improve Your Path to Success, use the + and - buttons to increase or decrease your contribution rate under Increase Your Contribution Rates. Additionally, you can enter your contribution rate as either a Percentage or Fixed Dollar amount by using the Contribution Type toggle button. Note, the contribution rate you elect will be on a per-payroll basis. As you make changes in this screen, you will see how the changes made affect your % of goal amount. In this screen, you can also change your investment election, the Amount Needed during retirement, or your Retirement Age. Changes to any of these categories may impact your % of goal amount. Once complete, select Continue.
Next, you will be required to enter at least one Primary Beneficiary. You may add up to 4 primary beneficiaries are 5 contingent beneficiaries. Click on the Add Primary Beneficiary button.
In the Add Primary Beneficiary window, enter applicable beneficiary information. Note, if you are married and choose to designate someone other than your spouse as your beneficiary, click on the hyperlink for additional details. Once complete, select Save.
Once all beneficiary information has been entered, select Next.
You will have one last opportunity to review your selections in the Authorize Strategy window. Use the Back button to make changes. Once you are satisfied with your strategy, check I agree to this savings strategy and associated disclosures and then select Authorize.
You will receive a confirmation window letting you know the process was completed successfully. Select Go To My Account Now to navigate back to your participant dashboard at Jocelyn Pension Consulting.
Once you are on your dashboard, you will need to navigate to another section of the website and then back to your dashboard to see the changes reflected.
You will receive an email confirming your enrollment. An email will also be sent to your Plan Sponsor to update any information on their side. We always encourage participants to follow up with their Plan Sponsor to ensure that changes are received.