This brochure from Saturna Trust Company explains the 401(k) plan available to IAR employees. It covers the basics of getting started (what a 401(k) is, eligibility, and 2024/2025 contribution limits for employee, catch-up, and employer contributions), the step-by-step enrollment process, and the potential tax advantages of traditional vs. Roth contributions. It also walks through the case for long-term investing, asset allocation concepts (risk vs. return across asset classes), sample portfolio allocations by life stage, a short questionnaire to help participants gauge their own risk tolerance, and a breakdown of per-participant fees (loan, trading, and departure fees). The brochure closes with Saturna's contact information for participant questions