elcome to the Adventist HealthCare Retirement Plan Website!

I'm Ben E. Fitz, and I'm here to help you create and manage your retirement plan. In this Web site you'll find great ideas and tools to help you plan for your retirement.

If you're unfamiliar with how the retirement plan works, or if this is your first visit to the site, you should begin by reading the Plan Description.

Also, be sure and check our what's new section to stay informed about changes and additions to this Web site.

• Your Account
  Access your retirement account online. Change your contribution rate. Modify your investment elections. Take an active role in planning for your retirement.
• Plan Description
  An overview of AHRP benefits, strategy, planning, and options for your retirement account.
• Performance Summary
  Track the monthly progress of all of the AHRP's investment choices.
• Future $umTimes
  A quarterly newsletter of the Adventist HealthCare Retirement Plan.
• Investment Choices
  Find out how the various funds in AHRP are performing from a historical perspective. Fund objective/strategy, portfolio characteristics, and annualized returns are available.
• Planning Guide
  Information to help you put together your retirement plan. Includes a retirement savings worksheet you can fill out online.
• Participating Employers
  Lists all employers (active and inactive) participating in the Adventist HealthCare Retirement Plan.
• AHRP Loan Feature
  Participants can now take loans against their vested balances.

hat's New

The April  2008 issue of Future $umTimes is posted. Read about setting up your beneficiaries online, details about default investment elections, and a comparison between Pre-Tax and Roth.

The monthly Performance Summary has been updated with results as of March 31, 2008.

The Summary Plan Description as of January 1, 2008 has been created in a single document form for your review. This document describes important information regarding the Adventist HealthCare Retirement Plan (AHRP). Many complex concepts have been simplified or omitted in order to present a more understandable plan description.

The AHRP Capital Preservation Account's interest rate has changed to 5.20% for 2008. This is the same rate as the AHRP Loan Feature.

The AHRP Loan Feature has a new interest rate for 2008.

We've updated our list of Participating Employers.

We've posted updated versions of the Qualified Plan 401a, the AHRP Guidebook for Participating Employers, and the Signature Authorization Enrollment Form on the Forms page.

Contributions for 2007 have changed. We've updated the site in various places to reflect these changes. Also, see the Situations Affecting Your Account for changes regarding compensation levels.

We've provided access to new Financial Planning Calculators (Retirement Calculators). These tools are excellent ways to help with your retirement planning.

The new funds now appear on the Investment Choices and Making Your Investment Choices.