Employee Stock Ownership Plan (ESOP)

Trinidad Benham is a 100% employee-owned Company. Our ESOP is an employee retirement benefit plan that enables you to have ownership in our Company and gives all of us the opportunity to collectively benefit from the efforts we put into our jobs beyond just receiving a paycheck. Better Company performance over time translates into financial benefit for employee-owners. Employee Ownership provides both tangible financial benefits in the form of a retirement plan and intangible benefits that come from being a part of a community of people all working toward the same goals and ultimately working for each other. And all of this is provided at NO COST to you!

The ESOP is a company paid retirement benefit in which employees are allocated shares of company stock. This is a unique retirement benefit that less than 1% of U.S companies offer to their employees. Employees automatically become participants in the ESOP on January 1st following your hire date. Every year an annual discretionary contribution is allocated to your individual account. Your account is fully vested after 3 years of service. In recent years the contribution allocated to individuals accounts has been approximately 10% of eligible compensation.

401k

Roth 401(k) option offers tax-free retirement income

About the Roth 401(k) option: Your retirement savings plan now gives you the option of contributing to a 401(k). Does a Roth 401(k) make sense for you?

• Differences between Pre-tax 401(k) and Roth 401(k)

• Roth vs 401(k) - Pretax

Roth In-Plan Conversion

offers the potential for tax-free retirement income on assets targeted for distribution

• Roth In-Plan Conversion

Qualified Employee Savings Plan

• Summary Plan Description