Benefits       Retirement Benefit   Benefit Formula     Types of Retirement     Retirement Benefit Options     Lump Sum   Terminal Illness Benefit
Benefit Formula	Benefit Formula (Normal Retirement Benefit) Employer Contributions X 48.3% Benefit Multiplier X Option Factor / 12 Months = Monthly Benefit Note: If the Participant ever earns more than the tax limit on annual compensation in a year (currently $225,000 per year), the 48.3% multiplier will not apply to all of the Participant’s Employer Contributions.