Summary Plan Descriptions (SPDs)

2025

• Health Benefits and Insurance SPD
• Commuter Benefits SPD
• Adoption and Surrogacy SPD

2024

• Health Benefits and Insurance SPD
• Commuter Benefits SPD
• Adoption and Surrogacy SPD
• Investment Guide and Fee Disclosure SPD
• Summary Annual Report SPD

2023

• Health Benefits and Insurance SPD
• 401(k) Plan SPD
• 401(k) Investment Guide and Fee Disclosure Guide
• Commuter Benefits SPD
• Adoption and Surrogacy Benefits SPD

2022

• Health Benefits and Insurance SPD
• 401(k) Plan SPD
• 401(k) Investment Guide and Fee Disclosure Guide
• Commuter Benefits SPD
• Adoption and Surrogacy Benefits SPD

2021

• Health Benefits and Insurance SPD
• 401(k) Plan SPD
• 401(k) Investment Guide and Fee Disclosure Guide
• Commuter Benefits SPD
• Adoption and Surrogacy Benefits SPD

What Is a Summary Plan Description?

The Summary Plan Description, or SPD, details plan rights and obligations for participants and beneficiaries. It summarizes the material provisions of the plan document, and should be understandable to the average participant of the employer. An SPD commonly combines a complete description of the plan’s terms and conditions, including a Certificate of Coverage, and the required ERISA disclosure language.