How do I access my account?
To access your account, Click Here
If you are accessing your account for the first time, you will enter your Social Security Number (SSN) and Personal Identification Number (PIN) in the spaces provided. If you require assistance, you may contact our Participant Service Center toll-free at 888-203-4015. A representative will be available to assist you Monday through Friday, 9:00 am to 5:00 pm EST.
If you are a returning user, you will enter your existing User ID and PIN. If you have forgotten your User ID or PIN and have previously set up a security question/answer, you may click on “Forgot User ID” or “Forgot PIN” to recover your account logon information. If you have not set up a security question/answer, you will need to contact our Participant Service Center toll-free at 888-203-4015 to reset your account. A representative will be available to assist you Monday through Friday, 9:00 am to 5:00 pm EST.
After you have correctly input your User ID and PIN, you will be required to select image category(ies) that add further security to your account. If it is your first time logging in or if your PIN has been reset, you will choose your image(s) via a two-step process. You will see a “Confident” logo on the upper left corner and you will click on the box “Let’s go” to start the setup process. You must select at least one image category. You will be required to remember which category(ies) you selected each time you log in. Once you have made your selection(s) and confirmed them, you will see the message: Enrollment Complete. To view/access your account, click on the “Go to my account”.
Going forward, after entering your User ID, PIN and selecting the “Logon” button, you will be
prompted to key in an Access Code, the letter(s) that correspond with your previously selected image category(ies) (can be entered in any order) and select “Secure Login” button to complete the login process.
What should I do if my account is locked?
Contact your Plan Administrator (typically the Human Resources Representative of your employer), or call our Participant Service Center toll-free at 888-203-4015, Monday through Friday, 9:00 am to 5:00 pm EST.
How is the website organized?
After logging in, you will be directed to the Home Page. The Home Page provides summary information regarding your account, both numerically and graphically. Below is a summary of the each menu and what options are available within that selection:
Includes account detail by Investment and Source, Transaction History, Pending Activity and allows you to run reports for specific time periods via Activity Summary on Demand.
Displays performance for investments available in your Plan as well as links to fact sheets and prospectuses. Additionally, you will be able to monitor your Personal Performance.
Request a Change or Update:
Financial transactions, such as fund to fund transfer and/or realignments as well as election updates and deferral amount changes (if applicable) can be accessed here.
This section houses your non-financial information such as contact information and Statement Delivery Preference. Historic statements are also housed in this section.
Planning & Guidance:
Tools and materials available to your Plan will be located in this section. Under Account Projection, you will be able to project the value of your investments at retirement age and estimate how much you should be saving now in order to reach your retirement savings goals.
In this section you and view and change your beneficiary information, change your User ID and Password as well as set up your security question/answers.
Contact information and Plan Summary information will be available here along with important plan documents and notices. For example, you will find the Summary Plan Description here. You will be prompted to download and save/print as desired.
Plan forms, including Distribution Request and Deferral Change, are available for download here. You will be prompted to download and save/print as desired.
How do I change my PIN?
Go to the Personal Settings menu tab and select “Change PIN” from the menu.
How do I change my User ID?
Go to the Personal Settings menu tab and select “Change User ID” from the menu.
How do I change my contact information (street address, email, phone number)?
Go to the Statements menu tab. Click on “Statement Delivery Preference”. To update your street address, click on Change Address (this is in bold at the top of Contact Information box), to update your email address and phone numbers, click on the “Update Email Address” or “Update Phone Information” box. We use this information ONLY to contact you if necessary. We do not provide or sell this information to any other company.
How do I find out more information about the funds available in my plan?
Go to the Investment Performance menu tab .Click on “Mutual Fund Performance,” each fund will have a link to the Morningstar Fund Fact sheet and Plan Prospectus. A summary of fund performance information and expense ratio will be displayed.
How do I view my account balance by fund or by source?
Go to the Account Overview menu tab. To view by investment click on “Investment Summary”, to view by source click on “Source Summary”.
How can I view specific transactions, such as a recent contribution, distribution, or transfer?
Go to the Account Overview menu tab and click “Transaction History.” Enter a date range and click “Update” button. You can sort by Transaction Type, Date or Amount. For more detail, click on the “Show Detailed View”. You can download the data to Excel or to a PDF by clicking the appropriate icon.
How do I print an activity statement?
Go to the Account Overview menu tab and click “Activity Summary on Demand.” Enter a date range and click “Generate” button. You can then choose to download as either a PDF or Excel file by clicking the appropriate icon.
I need a copy of my actual quarterly statement. Where can I print one?
Go to the Statements menu tab and choose Statement History. Click on the statement you wish to view/print.
How do I stop receiving my quarterly paper statements and receive eStatement alerts? To discontinue receiving quarterly paper statements and receive eStatement alerts, go to the Statements menu tab and click on “Statement Delivery Preference”. At the bottom of the screen under “Delivery Notifications, select “Email” and Save Delivery Notification Preferences. When your statement is ready for viewing, an alert will be sent to your email address on file.
How can I transfer money from one fund to another?
Go to the Request a Change or Update menu tab and choose Initiate a Transfer.
In the Transfer From column, you can elect a percentage of each of the funds you would like to transfer money from. For example, if you wish to sell the entire balance in a particular investment you will enter “100”. If you wish to sell half, you will enter “50”. A specific dollar amount may not be selected.
In the Transfer To column you will indicate which fund(s) you would like to purchase.
For example, if you want the entire balance of what you’re transferring to be invested in a single fund, you will enter “100” in the column next to that fund. Next you’ll need to read the information regarding fund redemption fee and trading policies and click on the box acknowledging that you have read the information. Click “Transfer” button.
How can I rebalance my entire account?
You may rebalance your entire account. Go to the Request a Change or Update menu tab and choose Realign Portfolio.
Enter the “New Percentages”. For example, if you choose 25% for a particular investment, after the realignment is complete, that investment will represent 25% of your total account balance.
Read the information regarding fund redemption fee and trading policies and click on the box acknowledging that you have read the information.
Click “Submit Realignment” button. The next screen will confirm the elections that you entered as well as give you the option to update your current investments. This action will change your existing account balance but will not affect future contribution deposits unless you elect to change your investment elections.
Can the system rebalance my account on a regular basis?
Yes. Go to the Request a Change or Update menu tab and choose Automatic Rebalance.
This rebalance will be to your current investment elections. You may schedule a rebalance to occur automatically each quarter or annually. Click on “Details”, you will then see a pie chart displaying your current investment elections. Your account will be rebalanced to these elections according to the frequency that you select under “Cycle Frequency”. If you choose “Elect This Portfolio”, your request will be submitted for processing. If you select “Select a Different Portfolio” it will bring you back to the initial set up page. In order to make an alternate selection, you must first change your investment elections.
How can I change the investment of my future contributions?
Go to the Request a Change or Update menu tab and choose Change Investment Elections.
Enter your new investment election percentages. Click on the “Submit Update Investment Elections” button at the bottom to submit for processing. The next screen will confirm the elections that you entered and give you the option to realign your current investments as well.
How do I make a withdrawal from my account?
To determine if you are eligible for a withdrawal, please consult your Summary Plan Description (SPD). If you do not have a copy, you may download one from the Plan Information/Notices Menu tab or request one from your Employer. Once you have determined your eligibility, contact your employer for the appropriate forms. Your employer will approve the transaction and forward the forms to CDM for processing.
How do I determine which investment options are appropriate for my age and investment goals?
A Financial Advisor is available to answer questions about the investment options available in your plan. The name and number of your Financial Advisor may be found on your quarterly statement or obtained through your Employer. For any questions relating to your account, you may call our Participant Service Center toll-free at 888-203-4015, Monday through Friday, between 9:00 am and 5:00 pm EST.