Connect with your future

Inside
Learn how to access information on
your plans new website.
See what your monthly income may
be in retirement.
Find out how to get the help you need.

www.empower-retirement.com/participant

Good news!
At Empower Retirement, were helping nearly
7.6 million people save for retirement.
Were the second largest retirement services

The Restaurant Technologies, Inc. & Subsidiaries 401(k) move

to Empower is done.
Your account and your investment elections, as applicable,
have transferred.

company in the U.S. We dene success as

1

helping people like you work toward replacing

for life the income they earned while
working.

1 Source: PLANSPONSOR, June 2015. Information based on total number of

participant accounts for all retirement businesses of Great-West Life & Annuity
Insurance Company and its subsidiaries on the Empower Retirement recordkeeping
system. Total participant accounts on this recordkeeping system, as of December
2015.

Now its time to try out the new features and tools.
The Restaurant Technologies, Inc. & Subsidiaries 401(k) is one
of your most important company benets. Use this guide to
maximize that benet and get the most out of what your plan
has to offer!

Your new website tools you can use

Your new website is designed to help you nd what you want, when you want it. Check out some of the benets:
Quickly view your estimated monthly retirement income and see if your future is on track.
Model savings scenarios.
Make changes to your account with just one click.
Heres a quick overview of how to nd information thats important to you at www.empower-retirement.com/participant:

1) Your Retirement Income Projection

Heres your monthly retirement income estimate.

2) My Accounts
Click on your plan name to:
See your balance.
Get fund information.
View a statement.
Change investments or
contribution rates.
Make or update a beneciary designation.
Find plan-specic documents.

FOR ILLUSTRATIVE PURPOSES ONLY.

3) Learning Center
4) Important Plan Messages
5) Investment Guidance
Get help with your investments.

www.empower-retirement.com/participant

Get information wherever you are

Quickly check balances and your estimated retirement income or change your contribution rate from the convenience of
your mobile device. When you log on to www.empower-retirement.com/participant with your mobile device, you automatically
will be directed to a mobile-friendly version of the site.

A new way to save: Roth contributions

Get help

Now you can invest some or all of your contributions in a

Roth account. These contributions will be made after taxes
and wont reduce your current income taxes. However, they
wont be taxable when you withdraw them in retirement. The
total amount you can contribute to pretax and Roth accounts
cannot exceed plan and IRS limits. Check out your plans
Learning Center to nd out more about Roth and if its right
for you.

If you would like help in selecting investment, your plan has

a service called Empower Retirement Advisory Services
(Advisory Services), offered by Advised Assets Group, LLC
(AAG), a federally registered investment adviser, and
powered by Morningstar Investment Management, LLC.
Advisory Services offers you three levels of service. You can
choose from Online Investment Guidance, Online
Investment Advice or a Managed Account. These services
help to provide a retirement strategy for you. For
information about any applicable fees for these services,
please visit your plans website. There is no guarantee that
participation in any of the advisory services will result in a
prot or that the account will outperform a portfolio
invested without assistance.

Know your estimated monthly income in retirement

Your retirement plan can help you work toward an estimated monthly income in retirement. Just
follow these four steps. Try it today!
Step 1: Find out how much income you may have in
retirement.

Step 3: Use powerful features to put your savings in

context.

Your plan accounts home page will show your estimated

monthly retirement income, as well as your estimated goal.

Compare your retirement savings progress with your peers,

and get a personalized projection of your estimated
healthcare costs in retirement.

Step 2: See the real-time potential effects if you made

some changes. You can adjust your:

Step 4: Request changes immediately.

Contribution rate.
Retirement date.
Investment mix.

Need to make a change to get in sync with your retirement

goals? You can quickly make your changes online.

Get connected and take action

On the Web or by phone, were here when you need us.

www.empower-retirement.com/participant
Log on to the website to get started today!

How to do it
The rst time you go online, youll need to create a username and password to access your account and these new features.
Log on to register your account.
Select the I d o n o t h a v e a P I N tab.
Follow the prompts to enter your personal information and create a username and password.
The next time you access your account, choose S i g n i n .

800-338-4015
Add the new number to your contact list!
Representatives are available weekdays between 6 a.m. and 8 p.m. Mountain time to help you. The TTY number for the
hearing impaired is 800-345-1833. International calls can be directed to 303-737-7204.

Youll be set its easy

Use the website to make sure Empower has up-to-date information from you.

Your communication delivery preference

Prefer to get your statements or annual Participant Fee
Disclosure notice electronically? Updating your preference
in your prole takes just a few seconds. Just click on your
name in the upper right of the screen and go to
C o m m u n i c a t i o n P re f e re n c e to make your election.

Beneciaries
While youre on the site, make sure your beneciary
designation is up-to-date. Make sure your account will be
handled according to your wishes when the time comes.
To make a new election, log on to the website. Click on
your plan name and choose Beneficiaries under Account
Information.

www.empower-retirement.com/participant

Disclosures
Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of
Great-West Life & Annuity Insurance Company.
Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village,
CO; Great-West Life & Annuity Insurance Company of New York, Home Ofce: New York, NY; and their subsidiaries and afliates. The trademarks, logos, service marks and design elements used are owned
by their respective owners and are used by permission.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for investment, accounting, legal or tax advice.
IMPORTANT: The projections, or other information generated by the Empower Participant Experience regarding the likelihood of various investment outcomes, are hypothetical in nature. They do not
reect actual investment results and are not guarantees of future results. The results may vary with each use and over time. The analyses present the likelihood of various investment outcomes if certain
investment strategies or styles are undertaken, thereby serving as an additional resource to investors in the evaluation of the potential risks and returns of investment choices. Each simulation takes into
account the participants current plan balance and investment mix, as well as his or her age, income, retirement date, contribution rate, likely future savings and estimated Social Security benet. The tool
runs over 50 billion market simulations to provide an estimate of a monthly income likely to be generated at retirement. The Empower Participant Experience is an interactive investment tool designed for
Empower Retirement 401(k) participants to illustrate the estimated impact of a participants plan balances and projected savings on income in retirement. The tool takes into account both before-tax and
after-tax accumulated balances and future regularly scheduled contributions for estimated projections. It cannot account for dramatic changes in a participants personal situation, including unexpected
expenses and other nancial situations that may negatively affect ones estimated monthly income in retirement. You are advised to consider your other assets, income, investment options, investment
time horizon, income tax bracket and risk tolerance when planning for specic investment goals. It is recommended that you consult a nancial advisor for more information. It is important to note that
the results from this tool are estimates based on what you input today. The results are not a guarantee of actual outcomes and will change as your inputs change. Healthcare costs and projections are
provided by HealthView Services. Empower Retirement does not provide healthcare advice. Empower Retirement does not believe that HIPAA applies to the data obtained from plan participants using this
new tool. Top peers are dened as an individual who is at the 90th percentile of the selected age band, salary range and gender.
Advised Assets Group, LLC (AAG) uses Morningstar Investment Management LLC (Morningstar Investment Management) to provide sub-advisory services. AAG and Morningstar Investment Management
are federally registered investment advisers. AAG is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company (GWL&A). Morningstar Investment Management is a subsidiary of
Morningstar, Inc. More information can be found at www.adviserinfo.sec.gov. Morningstar Investment Management and Morningstar, Inc. are not afliated with Empower Retirement, AAG, its parent
company GWL&A, or any other afliated companies and/or subsidiaries. Managed Account service and Online Investment Advice are part of the Empower Retirement Advisory Services suite of services
offered by AAG.
DC-BKT-59633 1601 PT257475 (03/2016)
2016 Great-West Life & Annuity Insurance Company. All rights reserved.

Welcome to Empower Retirement!

Your account has moved to Empower see inside for details
about the new tools you can use!

P.O. BOX 219300

KANSAS CITY, MO 64121-9300