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Effective July 1, 2018 the International Union of Operating Engineers Local 12 and various employer associations established the Operating Engineers Local 12 Defined Contribution Trust and appointed Union Trustees and Employer Trustees (“The Board of Trustees”).

Also, effective July 1, 2018, the Board of Trustees adopted the Operating Engineers Local 12 Defined Contribution Plan. These materials are designed to provide you with clear understandable information as to the major provisions of the Plan including a description of the benefits available under the Plan.

Only the Fund Office of the Operating Engineers Trust Funds represents the Board of Trustees in administering the Plan and giving information about the amount of benefits, eligibility and
other provisions of the Plan. No individual “Union Trustee”, “Employer Trustee”, or Union officer or employee is authorized to give official information, explanations or make any agreements binding upon the Board of Trustees. Only the Fund Office is authorized to give official information on behalf of the Board of Trustees.

In the event there is any conflict between the information in this Summary and the official Plan Document, the Plan Document will govern. The formal Plan Document and Trust Agreement are posted on the website of the Operating Engineers Trust Funds at www.oefi.org.

From time to time the Board of Trustees may make further revisions to the Plan, such as when changes are needed to make sure that the Plan will comply with changes in the Internal Revenue Code or ERISA and/or regulations issued by the Department of Labor and/or Internal Revenue Service.

We believe that the Defined Contribution Plan together with the benefits you may be entitled to from the Operating Engineers Pension Plan will be an important source of retirement income and security for you and your family.