# SCS 401k Information 2024

Main Company Page: https://www.transamerica.com/  
  
Employee Member Portal: https://www.transamerica.com/login  
  
\*Make sure to register your first time on the website

# Employee Booklet

### [Click Here - Transamerica Employee Guide](https://scswiderski.sharepoint.com/:b:/s/HumanResources-Confidential/EVPjzf_3rnJIkWZX0x6YZEwBZcUEtOTqdB0iyzGOFagp6A?e=mYydUG)

### **Edward Jones (Financial Advisor for SCS Plan):** 

### Ronald Shnowske

### Phone: 715-693-2245

### Email: <ronald.shnowske@edwardjones.com>

### **Transamerica Questions:** 1-800-797-2643

Please reach out <hr@scswiderski.com> with internal questions.

[![Transamerica Easy Access Employee Handout_1.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/transamerica-easy-access-employee-handout-1.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/transamerica-easy-access-employee-handout-1.jpg)

[![Transamerica Easy Access Employee Handout_2.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/transamerica-easy-access-employee-handout-2.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/transamerica-easy-access-employee-handout-2.jpg)

# Fee Disclosure

[![Fee Disclosure 2024_01.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-01.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-01.jpg)

[![Fee Disclosure 2024_02.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-02.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-02.jpg)

[![Fee Disclosure 2024_03.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-03.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-03.jpg)

[![Fee Disclosure 2024_04.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-04.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-04.jpg)

[![Fee Disclosure 2024_05.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-05.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-05.jpg)

[![Fee Disclosure 2024_06.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-06.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-06.jpg)

[![Fee Disclosure 2024_07.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-07.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-07.jpg)

[![Fee Disclosure 2024_08.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-08.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-08.jpg)

[![Fee Disclosure 2024_09.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-09.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-09.jpg)

[![Fee Disclosure 2024_10.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-10.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-10.jpg)

[![Fee Disclosure 2024_11.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/fee-disclosure-2024-11.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/fee-disclosure-2024-11.jpg)

# Vesting Statement

[![Vesting Statement_1.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2023-07/scaled-1680-/vesting-statement-1.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2023-07/vesting-statement-1.jpg)

# Summary Plan Description

[![SCS 2024 Summary Plan Description_01.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-01.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-01.jpg)

[![SCS 2024 Summary Plan Description_02.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-02.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-02.jpg)

[![SCS 2024 Summary Plan Description_03.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-03.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-03.jpg)

[![SCS 2024 Summary Plan Description_04.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-04.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-04.jpg)

[![SCS 2024 Summary Plan Description_05.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-05.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-05.jpg)

[![SCS 2024 Summary Plan Description_06.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-06.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-06.jpg)

[![SCS 2024 Summary Plan Description_07.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-07.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-07.jpg)

[![SCS 2024 Summary Plan Description_08.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-08.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-08.jpg)

[![SCS 2024 Summary Plan Description_09.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-09.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-09.jpg)

[![SCS 2024 Summary Plan Description_10.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-10.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-10.jpg)

[![SCS 2024 Summary Plan Description_11.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-11.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-11.jpg)

[![SCS 2024 Summary Plan Description_12.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-12.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-12.jpg)

[![SCS 2024 Summary Plan Description_13.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-13.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-13.jpg)

[![SCS 2024 Summary Plan Description_14.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-14.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-14.jpg)

[![SCS 2024 Summary Plan Description_15.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-15.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-15.jpg)

[![SCS 2024 Summary Plan Description_16.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-16.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-16.jpg)

[![SCS 2024 Summary Plan Description_17.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-17.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-17.jpg)

[![SCS 2024 Summary Plan Description_18.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-18.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-18.jpg)

[![SCS 2024 Summary Plan Description_19.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-19.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-19.jpg)

[![SCS 2024 Summary Plan Description_20.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-20.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-20.jpg)

[![SCS 2024 Summary Plan Description_21.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-21.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-21.jpg)

[![SCS 2024 Summary Plan Description_22.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-22.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-22.jpg)

[![SCS 2024 Summary Plan Description_23.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-23.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-23.jpg)

[![SCS 2024 Summary Plan Description_24.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-24.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-24.jpg)

[![SCS 2024 Summary Plan Description_25.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-25.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-25.jpg)

[![SCS 2024 Summary Plan Description_26.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-summary-plan-description-26.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-summary-plan-description-26.jpg)

# QDIA Annual Notice

[![SCS 2024 QDIA Notice_5.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-qdia-notice-5.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-qdia-notice-5.jpg)

[![SCS 2024 QDIA Notice_6.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-qdia-notice-6.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-qdia-notice-6.jpg)

[![SCS 2024 QDIA Notice_7.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-qdia-notice-7.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-qdia-notice-7.jpg)

[![SCS 2024 QDIA Notice_8.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/scs-2024-qdia-notice-8.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scs-2024-qdia-notice-8.jpg)

# Discretionary Match Notice

[![Discretionary Match Notice_1.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/scaled-1680-/discretionary-match-notice-1.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/discretionary-match-notice-1.jpg)

# Know Your IRA Options

[![Traditional_IRA_vs_ROTH_IRA_1.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/scaled-1680-/traditional-ira-vs-roth-ira-1.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/traditional-ira-vs-roth-ira-1.jpg)

[![Traditional_IRA_vs_ROTH_IRA_2.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/scaled-1680-/traditional-ira-vs-roth-ira-2.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2023-11/traditional-ira-vs-roth-ira-2.jpg)

# Disclosure & Comparative Chart for Retirement Plan Participants

[![Disclosure & Comparative Chart_01.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-01.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-01.jpg)

[![Disclosure & Comparative Chart_02.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-02.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-02.jpg)

[![Disclosure & Comparative Chart_03.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-03.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-03.jpg)

[![Disclosure & Comparative Chart_04.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-04.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-04.jpg)

[![Disclosure & Comparative Chart_05.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-05.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-05.jpg)

[![Disclosure & Comparative Chart_06.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-06.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-06.jpg)

[![Disclosure & Comparative Chart_07.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-07.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-07.jpg)

[![Disclosure & Comparative Chart_08.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-08.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-08.jpg)

[![Disclosure & Comparative Chart_09.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-09.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-09.jpg)

[![Disclosure & Comparative Chart_10.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/disclosure-comparative-chart-10.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/disclosure-comparative-chart-10.jpg)

# Annual Summary Report

[![Summary Annual Report_1.jpg](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/scaled-1680-/summary-annual-report-1.jpg)](https://benefits.scswiderski.net/uploads/images/gallery/2024-03/summary-annual-report-1.jpg)