Summary Plan Descriptions (SPDs)

2023

• Health Benefits and Insurance SPD
• 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

2020

• 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

2019

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

2018

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

2017

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

2016

• Health Benefits and Insurance Benefits SPD
• 401(k) Plan SPD
• Commuter Benefits SPD
• Adoption 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.