401(k) Savings Plan

Last Updated December 19, 2021

Save for your future with the RRD 401(k) Savings Plan.

Overview

The RRD 401(k) Savings Plan (also known as the RR Donnelley Savings Plan) helps you save money for your retirement on a tax-advantaged basis. If you are eligible to participate in the Plan, you may set aside and invest pre-tax, Roth 401(k) and/or after-tax money for your future.

Saving for the future is important, so it’s a good idea to take the time to learn about the Plan and how it works. By better understanding it, you can make choices that fit your financial goals.

Plan for Retirement

Services and resources offered by RRD’s 401(k) plan administrator can help you plan and save for retirement. Visit Empower Retirement or call 1-844-243-4773.

Enrollment

  • If eligible, you will be automatically enrolled in the Plan when you join RRD, and 5% of your eligible pay will be deducted from your pay on a pre-tax basis. Your contribution will be invested entirely in the Target Date Fund that is most closely aligned with your target retirement date, which assumes you plan to retire at age 65.
  • If you make an affirmative election that you don’t want to participate in the Plan within 30 days after the date your first automatic contribution was made, you may withdraw all your automatic contributions that were made to the Plan.
  • Effective January 1, 2021, if you are currently defaulted into the Plan and you have not made an affirmative election to change your contribution percentage, your automatic enrollment contribution will be set at 5% of your eligible pay. Your investment elections will not change.

Employee Contributions

  • You may contribute from 1% to 85% of your pay as pre-tax, Roth 401(k) and/or after-tax contributions, all through payroll deductions taken each pay period. The total of your pre-tax, Roth 401(k) and after-tax contributions cannot exceed 85% (or annual IRS limits).
  • If you’re age 50 or older by the end of a given calendar year, you can make additional pre-tax and/or Roth 401(k) catch-up contributions for that year, up to annual IRS limits.

Investment Options

The following investment options are available:

  • Core Investment Funds
  • Conservative Income Fund
  • Target Date Funds
  • Brokerage Account

Your Account Earnings

  • Your pre-tax contributions, matching contributions and the earnings on those contributions (as well as the earnings on after-tax contributions) grow tax-deferred as long as they remain in the Plan.
  • On withdrawal, pre-tax and matching contributions, plus earnings on those amounts as well as earnings on your after-tax contributions, are subject to taxes.
  • Earnings on Roth 401(k) contributions grow tax-deferred and, subject to certain limitations, aren’t subject to taxes when you withdraw them.

Loans and Withdrawals

  • In some cases, you may take loans and/or request withdrawals from your account while you remain employed.
  • You can receive a full distribution of your vested account when you leave RRD.
Contact Information

Empower Retirement
1-844-243-4773