2017 Arcadis US, Inc. Executive Deferred - T. Rowe Price

2017 Arcadis US, Inc. Executive Deferred - T. Rowe Price

November 2016 2017 Arcadis U.S., Inc. Executive Deferred Compensation Plan Congratulations! You are eligible to participate in the Arcadis U.S., Inc...

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November 2016

2017 Arcadis U.S., Inc. Executive Deferred Compensation Plan Congratulations! You are eligible to participate in the Arcadis U.S., Inc. Executive Deferred Compensation Plan (Executive Deferred Compensation Plan) for 2017. The purpose of the Plan is to provide selected members of Arcadis’ senior staff the opportunity to defer a portion of their compensation to a nonqualified retirement program—to offset benefits lost due to Internal Revenue Service (IRS) limits on 401(k) plan contributions. Eligibility to participate is determined annually. The enrollment window for you to defer a portion of your 2017 salary is open now through December 14, 2016. If you elect to participate, your deferral election will be calculated based on your salary as of January 1, 2017. Midyear adjustments to your salary will not change the amount of your deferrals. Arcadis will have a total of 26 payroll periods in 2017; salary deferrals will be made from all payroll periods. If you are deferring compensation into both the Executive Deferred Compensation Plan and the 401(k) plan, your deferred compensation deduction is taken first. Then your 401(k) deduction is calculated based on your net earnings for each pay period (i.e., each pay period’s gross wages minus your deferred compensation deduction). Be sure to adjust your 401(k) deferral election accordingly. Please also note that there will be a separate enrollment period in June 2017 for deferral of the 2017 incentive bonus, scheduled to be paid in March 2018. Information regarding the 2017 incentive bonus deferral will be provided to you in May 2017. MORE ABOUT THE PLAN Your deferrals are credited with returns and losses based on the investment elections you make. (See available investment options below.) Amounts in your account will be credited in your name. When considering participation, evaluate the risks inherent in nonqualified plans, which include the safety of deferred amounts and earnings, adequacy of return, and accessibility to amounts deferred. Because the amounts deferred into the Plan are deposited into a trust, these amounts are not directly accessible to the company. However, assets in the trust are considered general assets of the company; therefore, all account assets would be available for payment to creditors in the event of a bankruptcy proceeding. The company intends to fund all salary deferrals into the trust account on a payroll-by-payroll basis on the payroll date or as quickly thereafter as possible. Please note that the salary deferral amounts will actually be invested by the trustee based on the provisions included in the trust agreement. Investment option lineup in 2017: Metropolitan West Total Return Bond Fund, I (MWTIX) Vanguard 500 Index Fund, Admiral (VFIAX) Vanguard Inflation-Protected Securities Fund, I (VIPIX) Vanguard LifeStrategy Conservative Growth Fund (VSCGX) Vanguard Mid-Cap Index Fund, Admiral (VIMAX) Vanguard Short-Term Investment-Grade Fund, Admiral (VFSUX) Vanguard Small-Cap Index Fund, Admiral (VSMAX) Vanguard Target Retirement Funds Vanguard Total International Stock Index Fund, Admiral (VTIAX) Vanguard Treasury Money Market Fund, Inv. (VUSXX) (over, please)




About 47


Target Retirement 2060 Fund

About 43


Target Retirement 2055 Fund

About 38


Target Retirement 2050 Fund

About 33


Target Retirement 2045 Fund

About 28


Target Retirement 2040 Fund

About 23


Target Retirement 2035 Fund

About 18


Target Retirement 2030 Fund

About 13


Target Retirement 2025 Fund

About 8


Target Retirement 2020 Fund

About 3


Target Retirement 2015 Fund

In retirement


Target Retirement 2010 Fund

In retirement


Target Retirement Income Fund

Diversification cannot assure a profit or protect against loss in a declining market.

Depending on your risk tolerance, time horizon, and financial situation, you may consider a Vanguard Target Retirement Fund with a different target date. Investments in the Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. Each fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date. CONNECT WITH T. ROWE PRICE To obtain information about your current election (if applicable) or manage your account, you can visit the website at rps.troweprice.com. You may also contact a T. Rowe Price representative at 1.800.922.9945 if you have questions about the Plan or need more information. Representatives are available to assist you on business days from 7 a.m. to 10 p.m. eastern time (5 a.m. to 8 p.m. mountain time). Money Market Investments: You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. All investing is subject to risk. Call 1.800.922.9945 to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing. In evaluating your interest in participating in the Plan, you should make full use of any outside tax and legal assistance that you may deem necessary to fully evaluate the applicability of the Plan to your individual circumstances. You should note that the amounts deferred into this program are not considered part of the base for determining 401(k) contributions.

C11ZKSREQ_154725 2016-AX-21686