A new retirement savings experience is just ahead
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A new retirement savings experience is just ahead AbbVie is committed to helping you reach your retirement goals. Inside this guide, learn more about how your account balance in the Legacy Allergan, Inc. Retirement 401(k) Plan (L-AGN 401(k)) will transition to the Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees) at Empower Retirement (Empower). Beginning in January 2022, you will participate in the AbbVie Puerto Rico Savings Plan Plus (PR ASP+), AbbVie’s new retirement income program. PR ASP+ guide Nov. 19, 2021
Introduction
Table of contents Beginning in January 2022, you will participate in the PR
ASP+ program administered by Empower, AbbVie’s
2 | Introduction savings plan recordkeeper.
Your balance in the L-AGN 401(k) will transfer to the
3 | Important dates Legacy Allergan Retirement Savings 401(k) Plan (for
legacy Allergan PR Employees) also at Empower.
4 | How your account will transfer
After the transition to Empower, you will have two
6 | Fidelity Personalized Planning & Advice (FPPA) accounts. These accounts must remain separate due to
rules established by the United States and Puerto Rico
7 | Your contributions to the PR ASP+ may change taxation authorities:
• NEW: AbbVie Puerto Rico Savings Plan Plus (PR ASP+)
9 | How your loan will transfer
• FROZEN: Legacy Allergan Retirement Savings 401(k)
Plan (for legacy Allergan PR Employees)
10 | New features
During a blackout period that begins at 3 p.m. CT on
11 | Important notice concerning your rights in the Dec. 21, 2021, and ends the week of Jan. 9, 2022, you
Legacy Allergan, Inc. Retirement 401(k) Plan will temporarily be unable to perform transactions in
your L-AGN 401(k) as balances transfer to the Legacy
Allergan Retirement Savings 401(k) Plan (for legacy
Allergan PR Employees) at Empower.
Carefully review this guide to help you prepare for the
transition from Fidelity to Empower. View additional
information specific to the transition, including Frequently
Asked Questions (FAQs), on a special Empower microsite at
empower-retirement.com/client/allergan (microsite
available until Jan. 31, 2022).
No longer employed at AbbVie?
You’re receiving this announcement because you
have a balance in the L-AGN 401(k). Even though
you’re not actively contributing, you can still take
advantage of certain features of the L-AGN 401(k), PR
ASP+ or Legacy Allergan Retirement Savings 401(k) Plan
(for legacy Allergan PR Employees).
The transition happens automatically
To make the transition as smooth as possible, your
elections, contributions, investments, beneficiary
designations, rebalance elections and any loan or
distribution arrangements will transfer automatically
to Empower.
2Important dates
DATES
Dec. 21, 2021 Deadline to make account changes in the L-AGN 401(k)
This is your last day to contact Fidelity (netbenefits.com/allergan or call 800-835-5095) to make
or request account transactions, including changes to contribution rates, investment elections, loans,
withdrawals or distributions. If you miss the deadline, your first opportunity to make changes or
requests with Empower is after the end of the blackout period, which is expected to occur the week
of Jan. 9, 2022.
L-AGN 401(k) blackout period begins at 3 p.m. CT
As part of the transition, there will be a required blackout period, which occurs when moving accounts
and balances to a new recordkeeper. The blackout period will begin at 3 p.m. CT on Dec. 21, 2021, and
is expected to end the week of Jan. 9, 2022.
During this time, you will have limited access to your L-AGN 401(k) account at Fidelity and no access to
your PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees)
account(s) at Empower. Once the blackout period begins, you will not be able to change your
contribution rates, make investment election changes, or obtain loans or distributions until the
blackout period ends. See the Important notice concerning your rights in the Legacy Allergan,
Inc. Retirement 401(k) Plan section of this guide for details.
During the blackout period, your investments will continue to change in value depending on
market conditions.
For active employees, payroll deductions and any matching contributions will continue during
the blackout period and will be reflected in your account when the blackout is complete.
For active employees, loan payments (if applicable) will not be withdrawn from your Jan. 7, 2022
paycheck. Your first loan payment will occur on your Jan. 21, 2022 paycheck.
Week of L-AGN 401(k) blackout period is expected to end
Jan. 9, 2022 Enjoy full access to your PR ASP+ and Legacy Allergan Retirement Savings 401(k) Plan (for legacy
Allergan PR Employees) account(s) online, by phone and on the Empower app (download the
Empower Retirement app available on both iOS® and Android™ devices). You will be notified when
the blackout period ends.
March 2022 L-AGN 401(k) company match for 2021
The 2021 company match payable under the current L-AGN 401(k) will be deposited into your PR
ASP+ account in March 2022.
We’ve got your back
As you continue to plan for a successful financial future, Empower is here to help. Contact Empower if you have any
questions about the transition, your PR ASP+, Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR
Employees) or PR Excess+ account(s).
Call 844-8-ABBVIE (844-822-2843) to discuss your question(s). Empower representatives are available weekdays
from 7 a.m. to 9 p.m. CT and Saturdays from 8 a.m. to 4:30 p.m. CT.
3How your account will transfer
For Puerto Rico-based employees, your new contributions will be allocated to the PR ASP+. Your L-AGN 401(k) balance will
transfer to the Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees).
The charts in this section show the investment allocation instructions that will be applied to your new contributions in the PR ASP+
and to your transferred balance in the Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees).
If you’d like your Fidelity account balances to transfer differently, simply change your Fidelity investment elections for your current
balance, since they will automatically transfer to the investments at Empower shown on the right-hand side of this chart. If you wish to
make changes prior to the blackout period, contact Fidelity (netbenefits.com/allergan or call 800-835-5095) by Dec. 21, 2021.
You can also make changes with Empower after the blackout period ends (which is expected to occur the week of Jan. 9, 2022).
WILL AUTOMATICALLY TRANSFER TO THESE
BALANCES IN THESE INVESTMENTS AT FIDELITY: INVESTMENTS AT EMPOWER:
Loomis Sayles Growth Y (LSGRX) American Funds Growth Fund of Amer R6 (RGAGX)
Dodge & Cox Stock (DODGX) American Funds Washington Mutual R6 (RWMGX)
Metropolitan West Total Return Bd I (MWTIX) MetWest Total Return Bond Fund Class A
American Funds EuroPacific Growth R6 (RERGX) American Funds EuroPacific Growth R6 (RERGX)
Age-appropriate target date investment option (see the next
American Funds New Perspective R6 (RNPGX)
page for details)
Eaton Vance Atlanta Capital SMID-Cap R6 (ERASX) Diamond Hill Small-Mid Cap Y (DHMYX)
BlackRock MSCI ACWI ex-U.S. IMI Index Fund M State St Gbl AllCp Eq ex-US Idx SL Cl II
BlackRock Equity Index Fund M State St S&P 500 Indx SL Cl II
BlackRock U.S. Debt Index Fund M State St US Bnd Indx SL Cl XIV
BlackRock Russell 2500 Index M State St Russell Sm/Mid Cp Indx SL Cl II
Wells Fargo Stable Value Fund D Wells Fargo Stable Value X share class
Vanguard Target Retire Trust Plus Income State St Target Ret Income SL Cl IV
Vanguard Target Retire Trust Plus 2015 State St Target Ret Income SL Cl IV
Vanguard Target Retire Trust Plus 2020 State St Target Ret 2020 SL Cl IV
Vanguard Target Retire Trust Plus 2025 State St Target Ret 2025 SL Cl IV
Vanguard Target Retire Trust Plus 2030 State St Target Ret 2030 SL Cl IV
Vanguard Target Retire Trust Plus 2035 State St Target Ret 2035 SL Cl IV
Vanguard Target Retire Trust Plus 2040 State St Target Ret 2040 SL Cl IV
Vanguard Target Retire Trust Plus 2045 State St Target Ret 2045 SL Cl IV
Vanguard Target Retire Trust Plus 2050 State St Target Ret 2050 SL Cl IV
Vanguard Target Retire Trust Plus 2055 State St Target Ret 2055 SL Cl IV
Vanguard Target Retire Trust Plus 2060 State St Target Ret 2060 SL Cl IV
ABBVIE Common Stock (ABBV) ABBVIE Common Stock (ABBV)
Investing involves risk, including possible loss of principal.
Funds that are not mutual funds do not have ticker symbols because they are exempt from SEC registration.
4How your account will transfer — continued
IF YOU WERE BORN: YOUR AGE-APPROPRIATE TARGET DATE INVESTMENT OPTION IS*:
12/31/1952 or earlier State St Target Ret Income SL Cl IV
1/1/1953 - 12/31/1957 State St Target Ret 2020 SL Cl IV
1/1/1958 - 12/31/1962 State St Target Ret 2025 SL Cl IV
1/1/1963 - 12/31/1967 State St Target Ret 2030 SL Cl IV
1/1/1968 - 12/31/1972 State St Target Ret 2035 SL Cl IV
1/1/1973 - 12/31/1977 State St Target Ret 2040 SL Cl IV
1/1/1978 - 12/31/1982 State St Target Ret 2045 SL Cl IV
1/1/1983 - 12/31/1987 State St Target Ret 2050 SL Cl IV
1/1/1988 - 12/31/1992 State St Target Ret 2055 SL Cl IV
1/1/1993 - 12/31/1997 State St Target Ret 2060 SL Cl IV
1/1/1998 or later State St Target Ret 2065 SL Cl IV
*Assuming age 65 as the standard retirement age.
Note: Dreyfus Government Cash Management Institutional Fund (DGCXX) will be set up as a temporary investment option in the
Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees) for the initial transfer of the American Funds
New Perspective R6 (RNPGX) fund as described on the previous page. It will not be an investment option available for participant
direction after the transition is complete. After the receipt and reconciliation of the plan records from Fidelity at the end of the
blackout period (which is estimated to occur the week of Jan. 9, 2022):
• Any balance you have in the Dreyfus Government Cash Management Institutional Fund (DGCXX) will be invested in your
age-appropriate target date investment option (the plan’s qualified default investment alternative (QDIA)) based on your
date of birth as described in the chart above.
• Any interest you have accumulated in the Dreyfus Government Cash Management Institutional Fund (DGCXX) during the
holding period will be allocated to the Wells Fargo Stable Value X share class and will require your direction to be allocated
to another fund of your choice.
5How your account will transfer — continued
Fidelity Personalized Planning & Advice (FPPA)
Empower Professional Management Program (PMP) will replace the FPPA option currently available in the L-AGN 401(k). If you are
enrolled in FPPA, your enrollment will transfer to the PMP. The PMP is part of the Empower Advisory Services suite of services
offered by Advised Assets Group, LLC, a registered investment adviser, and powered by Edelman Financial Engines.
If you are enrolled in FPPA when the blackout period begins at 3 p.m. CT on Dec. 21, 2021, you will be automatically enrolled in the
PMP after the blackout period ends the week of Jan. 9, 2022.
Your current assets will initially be transferred per the instructions communicated earlier in this guide. After the blackout period
ends, you will be enrolled in the PMP, and your transferred assets will temporarily remain in the mapped funds until your initial PMP
transactions are processed (which can take up to 45 days).
There is an annual asset-based fee for the PMP (assessed quarterly). Fee details are included in the enclosed Notice of Investment
Returns & Fee Comparison document. If your FPPA enrollment transfers to the PMP, you will receive 60 days of the PMP service at
no cost to you.
Participation in the PMP will consider all your retirement accounts administered by Empower; however, only plans with funded
assets will be actively managed by the PMP. The programs’ investment advisor will consider asset balances and investment
allocations for unfunded plans, but these balances and allocations will not be actively managed.
Funded plans include:
• AbbVie Savings Plan Plus (ASP+)
• AbbVie Puerto Rico Savings Plan Plus (PR ASP+)
• Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees)
• Allergan Executive Deferred Compensation Plan (Allergan EDCP)
Unfunded plans include:
• AbbVie Excess Savings Plan Plus (Excess+)
• AbbVie Puerto Rico Excess Savings Plan Plus (PR Excess+)
• AbbVie Deferred Compensation Plan Plus (DCP+)
• Allergan Executive Deferred Savings Plan (Allergan EDSP)
• Forest Labs Deferred Compensation Plan (Forest Labs DCP)
If you remain enrolled in the PMP, fees will begin to accrue on the 61st day after your enrollment date. If you do not want to
be automatically enrolled in the PMP, simply unenroll from FPPA at Fidelity by Dec. 21, 2021. You also will have the option to
unenroll from the PMP service once the blackout period has ended the week of Jan. 9, 2022, by accessing your account at
savingsplan.abbvie.net or calling Empower at 844-8-ABBVIE (844-822-2843).
There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.
6Your contributions to the PR ASP+
may change
You can review or change your contribution rate(s) after the blackout period ends at savingsplan.abbvie.net.
Catch-up contributions
What are catch-up contributions?
• Participants 50 years of age or older can make additional annual contributions on a pre-tax basis (subject to certain IRS limits)
that exceed the 402(g) annual contribution limit.
• For 2022, the 402(g) limit is $20,500 and the catch-up contribution limit is $1,500.
What action may be required?
Your catch-up contribution rates will not transfer from Fidelity to Empower. You will be able to select a separate catch-up dollar
amount to contribute each pay period instead of having the amount combined with your pre-tax contribution rate. When the
blackout period ends, review your contribution rate(s) to determine if you wish to add a catch-up dollar amount to reflect your
desired contributions for the year.
To review, make or change your contribution rate(s) after the blackout period ends:
• Visit savingsplan.abbvie.net or, beginning the week of Jan. 9, 2022, access your account via the AbbVie HRConnect portal
with single sign on.
1. Select My Accounts
2. From the left menu, select My Contributions under Paycheck Contributions
• Call 844-8-ABBVIE (844-822-2843)
Saving less than 3%?
If you currently contribute less than 3% to the L-AGN 401(k), AbbVie is making it easier for you to save for retirement by
automatically enrolling you at a 3% pre-tax contribution rate in the PR ASP+ beginning in January 2022. If you do not want to
contribute 3% of your pay, you may change your contribution rate once the PR ASP+ is live, which is expected to occur the week of
Jan. 9, 2022. If you do not contribute to the PR ASP+, you will not receive the AbbVie company match (but you will receive the
annual company contribution).
If you decide that you do not want to contribute to the PR ASP+, you can withdraw the contributions that were automatically
deducted by contacting Empower during the 90 calendar days after automatic contributions are first taken from your pay.
Contribution modeler
AbbVie will provide you with access to an online tool to help you model your contributions to maximize your pre-tax, after-tax,
company and total contributions for the year, considering IRS and PR ASP+ limits. You can model out how much you need to
contribute to reach your savings goal in the PR ASP+ and maximize your total AbbVie contributions. The modeler tool will base
calculations on 2022 IRS limits.
The contribution modeler is available on the Empower microsite (empower-retirement.com/client/allergan) through
Jan. 31, 2021. You can also access the contribution modeler at savingsplan.abbvie.net after the transition is complete. The
modeler is not a substitute for investment/financial advice and should only be used as a tool to assist participants to reach their
retirement savings goals.
7Your contributions to the PR ASP+ may change
— continued
Employee contribution limits
In the PR ASP+, you’re able to contribute:
• A combined amount up to 50% of eligible pay on a pre-tax or after-tax basis up to IRS annual contribution limits.
• Of the combined 50%, up to 10% can be contributed on an after-tax basis.
If you currently contribute more than 10% in the L-AGN 401(k) on an after-tax basis, your after-tax contribution rate will be reduced
to 10%.
If you currently contribute more than 50% in the L-AGN 401(k), your contribution rate(s) will be reduced in this order:
• After-tax contribution rate(s) will be reduced to 10% (if currently greater than 10%).
• Pre-tax contribution rate(s) will be reduced so that total contributions across pre-tax and after-tax are less than or equal
to 50%.
Any bonus contribution rates on file at Fidelity will not transfer to Empower. Contributions from your bonus will follow the
contribution rate(s) you have on file for pre-tax or after-tax contributions.
You can review or change your contribution rate(s) after the blackout period ends at savingsplan.abbvie.net.
AbbVie Puerto Rico Excess Plus Plan (PR Excess+)
AbbVie will provide an excess benefit plan for eligible participants starting with the 2022 plan year. The purpose of the new plan is
to give employees the opportunity to receive the full company match and annual company contribution when IRS regulations limit
what can be provided in the PR ASP+. This plan will benefit those participants who maximize their own contributions (pre-tax,
after-tax) but may still have company contributions due to them. These “excess” contributions will be automatically deposited into
the PR Excess+ account of eligible participants in March of the following plan year (e.g., excess contributions for 2022 will be
deposited in March 2023).
8How your loan will transfer
If you have an existing L-AGN 401(k) plan loan, the terms of your loan are not affected by the transition to Empower.
Active employees
If you are repaying your loan via payroll deduction, loan payments will not be withdrawn from your Jan. 7, 2022 paycheck. Your first
loan payment will occur on your Jan. 21, 2022 paycheck.
No longer employed at AbbVie
If you have separated from employment or are no longer eligible for the L-AGN 401(k) or PR ASP+, and you are currently repaying a
loan through automated clearing house (ACH) debits from a personal banking account, your banking account information will
automatically transfer to Empower.
If you are currently repaying a loan by check to Fidelity, any payments before the transition begins must be received by Fidelity no later
than Dec. 21, 2021. Beginning the week of Jan. 9, 2022, you will need to send payments directly to Empower. To obtain your loan
number, please visit savingsplan.abbvie.net or call 844-8-ABBVIE (844-822-2843) during the week of Jan. 9, 2022.
Make checks payable to: Great-West Trust Company, LLC
Include the following on the check: Mail checks to:
• Social Security number Great-West Trust Company, LLC
• Plan ID 150569-01 P.O. Box 826941
• Loan number (1, 2, etc.) Philadelphia, PA 19182-6941
If you wish to start making payments by automated clearing house (ACH), beginning the week of Jan. 9, 2022, you may go online
to savingsplan.abbvie.net or call 844-8-ABBVIE (844-822-2843) to establish your ACH payment instructions.
As a reminder, you need to keep your loan(s) current according to the terms of your agreement to prevent your loan(s) from going
into default. If a loan does go into default, it will be treated as a taxable distribution and will be subject to income tax and a possible
tax penalty.
9New features
Your retirement savings experience simplified
After the transition is complete, you can log in to view your PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for legacy
Allergan PR Employees) account(s) and find information, such as:
• Your savings contribution rate in the PR ASP+
• The total balance you have in the PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan
PR Employees)
• Your estimated monthly retirement income
• The percentage of your current salary you’re on track to replace in retirement
My Financial Path
AbbVie is partnering with Empower to offer you a new approach to improving your financial well-being. My Financial Path can help
you make better sense of your long-term savings needs — at no cost to you. Whether you’re new to the workforce, in the middle of
your career or getting close to retirement, My Financial Path provides personalized, actionable steps you can take to reduce financial
stress and guide you in your planning to achieve your long-term financial goals.
Empower Brokerage
Enjoy greater flexibility and fewer limitations. With Empower Brokerage, you can make investment choices beyond what’s offered
through your employer’s retirement plan. The Empower Brokerage account is intended for knowledgeable investors who
acknowledge and understand the risks associated with the investments available through an Empower Brokerage account.
10Important notice concerning your rights in the
Legacy Allergan, Inc. Retirement 401(k) Plan
Nov. 19, 2021
This notice is to inform you that your account balance in the Legacy Allergan, Inc. Retirement 401(k) (L-AGN 401(k)) will transfer
to the Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees) at Empower Retirement effective
Jan. 1, 2022. New contributions will be made to the AbbVie Puerto Rico Savings Plan Plus (PR ASP+).
As a result of this change, you temporarily will be unable to transfer or diversify your investments (including investments held within
a self-directed brokerage account) in your L-AGN 401(k), PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for legacy
Allergan PR Employees) account(s) or obtain a loan, withdrawal or distribution. This period during which you will be unable to
exercise these rights otherwise available under the L-AGN 401(k), PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for
legacy Allergan PR Employees) is called a blackout period. Whether or not you are planning retirement soon, we encourage you to
carefully consider how this blackout period may affect your retirement planning as well as your overall financial plan. The
temporary blackout period begins at 3 p.m. CT on Dec. 21, 2021, and ends the week of Jan. 9, 2022. During this time, you will have
limited or no access to your L-AGN 401(k), PR ASP+ or Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR
Employees) account(s).
Before the blackout period begins, it is very important that you review and consider the appropriateness of your current
investments because you will be unable to transfer or diversify those investments (including investments held within a self-directed
brokerage account) during the blackout period. For your long-term retirement security, you should consider the importance of a
well-balanced and diversified investment portfolio, considering all your assets, income and investments.
You should be aware there is a risk to holding substantial portions of your assets in the securities of any one company as individual
securities tend to have wider price swings, both up and down, in short periods of time than investments in diversified funds. Stocks
that have wide price swings might have a large loss during the blackout period, and you would not be able to direct the sale of such
stocks from your account during the blackout period.
To review your L-AGN 401(k) account before the blackout period begins, access your account online at netbenefits.com/allergan
or contact Fidelity at 800-835-5095 by Dec. 21, 2021. If you have questions concerning this notice, please contact Empower
at 844-8-ABBVIE (844-822-2843).
Once the blackout period has ended, you will receive a notice from Empower. You will then have full access to your PR ASP+ or
Legacy Allergan Retirement Savings 401(k) Plan (for legacy Allergan PR Employees) account(s) online and by phone. If you would like
to confirm the status of the blackout period, contact Empower at 844-8-ABBVIE (844-822-2843) or visit savingsplan.abbvie.net.
These dates and times are subject to change. Please contact Empower for more information.
11This guide summarizes select features of AbbVie employee benefits that are effective Jan. 1, 2022. Detailed information is contained in the applicable policies and plans, and changes will be reflected in those documents at the required time under applicable law. In the event of a conflict between this summary and the policy/plan, the policy/plan terms will govern. AbbVie reserves the right to amend, modify, or terminate benefits, policies, plans or programs that it provides to employees at any time and at AbbVie’s complete and sole discretion, as permitted under the policy, plan or program terms and applicable law. This summary is for informational purposes only and does not create a contractual or otherwise binding promise between AbbVie and any AbbVie employee. Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. For prospectuses related to investments in your self-directed brokerage account (SDBA), contact your SDBA provider. Read them carefully before investing. You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1 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 the sponsor to provide financial support to the fund at any time. Investing involves risk, including possible loss of principal. Fund changes may alter the risk exposure of an investment account. Some cash-alternative options (other than money market funds), such as guaranteed interest funds or stable value funds, may have withdrawal and transfer restrictions. Carefully consider the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments. Adjustments may be needed to realign the account with its desired investment strategy. Once the transition is complete, please review the information for each fund on the plan website. Securities, when presented, are offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment adviser, Advised Assets Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Securities available through Empower Brokerage are offered by GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great- West Life & Annuity Insurance Company. Clearing, settlement, custody and other brokerage services are provided by Pershing LLC, Member FINRA/NYSE/SIPC and a wholly owned subsidiary of The Bank of New York Mellon Corporation. Additional information may be obtained by calling 877-788-6261. GWFS and Pershing are separate and unaffiliated brokerage firms. Accounts are subject to review and approval of GWFS. Brokerage Products: Unless otherwise noted: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE Asset allocation and balanced investment options and models are subject to the risks of their underlying investments. Empower Retirement Advisory Services refers to the advisory services offered by Advised Assets Group, LLC, such as the Professional Management Program and Online Advice. AAG uses Financial Engines Advisors L.L.C. to provide subadvisory services. AAG and FEA are unaffiliated registered investment advisers. AAG is a subsidiary of Great-West Life & Annuity Insurance Company. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. ©2021 Edelman Financial Engines, LLC. Future results are not guaranteed by AAG, FEA or any other party. IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time. My Financial Path includes products made available by Empower Retirement, LLC and third-party providers outside the retirement benefits provided under your plan. Inclusion of a product in My Financial Path is not an endorsement or recommendation of the product by the plan’s sponsor, service providers or fiduciaries. Diversification does not ensure a profit and does not protect against loss in declining markets. Fidelity Investments is not affiliated with GWFS Equities, Inc. or its parent company or affiliates. iOS is a registered trademark of Cisco in the U.S. and other countries and is used under license. Android, Google Play and the Google Play logo are trademarks of Google LLC. Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency ©2021 Empower Retirement, LLC. All rights reserved. 150569-P1-FBK-WF-1431100-1121 RO1900134-1121
Notice of Investment Returns & Fee Comparison
150569-P1 AbbVie Puerto Rico Savings Plan
savingsplan.abbvie.net
Your employer-sponsored retirement savings plan allows eligible employees to invest for their retirement. These plans
can be valuable in helping participants reach their retirement savings goals. The goal is to build your account through
additional contributions and investment returns in your plan. Fees and expenses related to your plan can affect the overall
long-term value of your account. The investment options you choose also affect your account. It is important for you to
have a clear understanding of the investment options available through your plan and the fees and expenses that are part
of your plan.
This notice includes information to help you understand plan costs and compare your retirement plan's investment
options. It was designed to meet the participant fee disclosure regulations of the United States Department of Labor
(DOL).
For more information on the plan's investment options including investment objectives or goals, principal strategies and
risks, portfolio turnover rate, current returns and expenses, please visit the participant website listed above. This website
also includes educational information and tools designed to help you with making investment decisions.
Additional information on the plan's investment options is also available on the participant website which may include
prospectuses or similar documents, fund reports to the extent applicable, and fund share/unit valuations.
Paper copies of the investment related information available on the participant website can be obtained at no cost by
contacting Empower Retirement at:
Empower Retirement
P.O. Box 173764 Denver, CO 80217-3764
Participant Call Center: 1-844-822-2843
SECTION Document Summary
Investment Rate of Return Information - Shows investment return information for your Plan's
1 investment options. It shows past performance and comparisons to the performance of a comparable
benchmark over 1, 5 and 10 year periods or since inception if the investment option's inception date is
less than 10 years.
Investment-Related Fees, Expense Information, and Transfer Restrictions - Shows fees and
2 expenses associated with the investments in your Plan. This section also shows any investment
restrictions.
Plan-Related Information - Shows your Plan related information and the General Administrative
Services Expenses and Participant Elected Services Expenses tables. The General Administrative
3 Services Expenses table shows non-investment expenses that pay for operating your Plan. The
Participant Elected Services Expenses table shows expenses for optional services available through
your Plan that may be charged to your individual account for the services you use.
Your Plan offers a Self-Directed Brokerage Account (SDBA) through Empower Brokerage. The SDBA allows you to select
from securities and investments that have not been chosen by and are not monitored by your employer and/or the Plan
Sponsor. What investments you may actually invest in depends on the specifics of your Plan design. These investment
options are not offered through your retirement plan recordkeeper. You may invest through the SDBA by logging in to your
Plan's web site and completing the SDBA enrollment process online.
The SDBA is for knowledgeable investors who acknowledge and understand the risks associated with many of the
investments contained in the SDBA. By utilizing the account, you acknowledge that none of the available options in the
SDBA have been selected for use in the Plan, reviewed for suitability or will be monitored by your employer, Plan
Sponsor,SDBA provider, or retirement plan recordkeeper. You are solely responsible for determining the suitability and
for the selection and ongoing monitoring of the investments that are available and utilized in the SDBA.
If you decide to use the SDBA, there may be an annual maintenance fee for using the SDBA as reflected in the Participant
Elected Services Expenses table in this document. There may be additional expenses and fees associated with using
Empower Brokerage, such as commissions and sales loads. More information regarding these fees is located in the
SDBA pricing summary at the back of this notice. Before investing, investors should carefully consider a fund’s investment
objectives, risks, charges and expenses. Fund prospectuses contain this and other important information and may be
obtained by calling the SDBA provider. Investors should read prospectuses carefully before investing.
Transfers into and out of Empower Brokerage will be subject to minimum transfer restrictions. If your transfer request
does not meet the minimum amount, your transfer will not be completed. You must initially transfer a minimum of $500.
Subsequent transfers must be at least $1. You are also required to maintain a minimum balance of $500 in your core
account. If your core account is below the minimum balance, any percentage of your future contribution investment
elections allocated to the SDBA will be allocated pro-rata across your other investment elections (or to the Plan’s default
fund if 100% of your investment elections are allocated to the brokerage account) until the minimum balance is reached.
DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34
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IND ID: Page 1 of 6More detailed information about the SDBA is available on the Participant website.
1 – Investment Rate of Return Information
Variable Rate of Return Investments Table
This table looks at the rates of return from investments that increase and decrease in value. The table shows how these
investments have performed over time. You can compare each investment option to a benchmark for the same time
periods. Past performance does not guarantee how the investment option will perform in the future. Your investment
in these options could lose money. In addition to the web addresses listed in the table, more information about the
investments in your Plan including an investment option’s principal risks is available on the participant website listed in the
title.
Variable Return Investments
Average Annual Total Return Benchmark** as
Investment Option as of 09/30/2021 of 09/30/2021
1yr. 5yr. 10yr. Since Inception 1yr. 5yr. 10yr. Since Inception
Asset Allocation
State St Target Ret 11.78% 6.24% 5.61% 8.93% 8.14% 5.94% 5.80% 7.94%
Income SL Cl IV1,2 S&P Target Date Retirement Income TR USD
www.ssga.com
State St Target Ret 2020 14.75% 7.94% 8.28% 10.49% 12.92% 7.98% 8.51% 9.74%
SL Cl IV1,2 S&P Target Date 2020 TR USD
www.ssga.com
State St Target Ret 2025 17.18% 9.61% 9.54% 12.72% 16.17% 9.01% 9.42% 10.97%
SL Cl IV1,2 S&P Target Date 2025 TR USD
www.ssga.com
State St Target Ret 2030 18.77% 10.63% 10.39% 14.19% 19.16% 9.93% 10.25% 12.03%
SL Cl IV1,2 S&P Target Date 2030 TR USD
www.ssga.com
State St Target Ret 2035 20.59% 11.28% 10.92% 14.94% 22.56% 10.88% 11.01% 13.21%
SL Cl IV1,2 S&P Target Date 2035 TR USD
www.ssga.com
State St Target Ret 2040 22.44% 11.80% 11.39% 15.58% 24.96% 11.54% 11.55% 14.02%
SL Cl IV1,2 S&P Target Date 2040 TR USD
www.ssga.com
State St Target Ret 2045 24.19% 12.25% 11.61% 16.12% 26.36% 11.93% 11.90% 14.49%
SL Cl IV1,2 S&P Target Date 2045 TR USD
www.ssga.com
State St Target Ret 2050 25.21% 12.42% 11.72% 16.48% 27.11% 12.19% 12.16% 14.72%
SL Cl IV1,2 S&P Target Date 2050 TR USD
www.ssga.com
State St Target Ret 2055 25.21% 12.41% N/A 16.47% 27.47% 12.33% N/A 14.81%
SL Cl IV1,2 S&P Target Date 2055 TR USD
www.ssga.com
State St Target Ret 2060 25.21% 12.41% N/A 16.47% 27.33% 12.46% N/A 14.87%
SL Cl IV1,2 S&P Target Date 2060 TR USD
www.ssga.com
State St Target Ret 2065 25.21% N/A N/A 23.97% 27.33% N/A N/A 14.03%
SL Cl IV1,2 S&P Target Date 2060 TR USD
www.ssga.com
International Funds
American Funds 24.76% 12.17% 10.63% 10.37% 23.92% 8.94% 7.48% *
EuroPacific Gr R62 MSCI ACWI Ex USA NR USD
www.americanfunds.com
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IND ID: Page 2 of 6Average Annual Total Return Benchmark** as
Investment Option as of 09/30/2021 of 09/30/2021
1yr. 5yr. 10yr. Since Inception 1yr. 5yr. 10yr. Since Inception
State St Gbl AllCp Eq ex- 24.52% * N/A 13.64% 25.62% 9.73% N/A 6.20%
US Idx SL Cl II1,2 Morningstar Global Markets ex-US GR USD
www.ssga.com
Mid Cap Funds
Diamond Hill Small-Mid 51.00% 10.02% 13.66% 12.71% 44.75% 9.62% 14.13% 13.08%
Cap Y2 Morningstar US Mid Value TR USD
www.diamond-hill.com
State St Russell Small/ 41.51% 16.45% 16.28% 22.50% 37.13% 15.21% 16.07% 19.22%
Mid Idx SL Cl II1,2 Morningstar US Mid Cap TR USD
www.ssga.com
Large Cap Funds
American Funds Growth 30.43% 20.12% 18.53% 16.84% 27.69% 24.01% 20.29% 19.09%
Fund of Amer R62 Morningstar US Large Growth TR USD
www.americanfunds.com
American Funds 28.35% 14.21% 14.57% 14.54% 29.39% 10.47% 12.38% 12.12%
Washington Mutual R62 Morningstar US Large Value TR USD
www.americanfunds.com
State St S&P 500 Indx SL 29.95% 16.80% 16.51% 23.92% 28.17% 17.81% 16.99% *
Cl II1,2 Morningstar US Large Cap TR USD
www.ssga.com
Bond
State St US Bnd Indx SL -0.94% 2.97% 3.02% 3.32% -0.98% 2.92% 2.97% 3.24%
Cl XIV1,2 Morningstar US Core Bond TR Hedged USD
www.ssga.com
TCW MetWest Total 0.00% 3.56% N/A 4.21% 0.20% 3.30% N/A 3.72%
Return Bond A2 Bloomberg US Universal TR USD
www.tcw.com
Stable Value
Wells Fargo Stable Value 1.88% 2.06% 1.86% 4.91% -0.79% 1.61% 1.02% *
Fund X2 USTREAS Treasury Bill Constant Maturity
www.galliard.com
Stock
ABBOTT COMMON 10.12% 24.13% 18.21% * 30.01% 16.90% 16.63% 33.56%
STOCK1 S&P 500 TR USD
https://www.abbott.com
ABBVIE COMMON 28.95% 15.11% N/A * 30.01% 16.90% 16.63% 33.56%
STOCK S&P 500 TR USD
https://www.abbvie.com
Please note that if an investment option has not been in existence for 10 years, a "Since Start/Inception Date" return will
be displayed. If the investment option has been in existence for 10 years or more, a "10-Year" return will be displayed.
Returns shown for the corresponding benchmark are for the same time period as the investment option.
Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a
prospectus, summary prospectus for SEC registered products or disclosure document for unregistered products, if
available, containing this information. Read them carefully before investing.
1 Additional information on this Investment Option can be found in Section 2.
2 Investment Funds. The start date may be that of the fund's original share class. If your Plan offers a different share class of the fund
with a more current start date, the performance returns have been adjusted to reflect the fees and charges associated with the actual
share class.
* Performance returns not available at time of production.
N/A - Performance returns are not applicable.
** A benchmark index is not actively managed. It does not have a defined investment objective and does not incur fees or expenses.
You cannot invest directly in a benchmark index.
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IND ID: Page 3 of 62 – Investment-Related Fees, Expense Information, and Transfer Restrictions
Investment-Related Fees, Expense Information and Transfer Restrictions
This table looks at fees, expenses and transfer restrictions associated with the investments in your Plan. Fees and
expenses are only two of many things to consider when deciding to invest. You may also want to think about whether an
investment in a particular investment option, along with your other investments, will help you reach your financial goals.
Fees, Expenses and Restrictions
as of 10/19/2021
Gross/Net Gross Per Transfer Shareholder Type Fees^
Total Annual $1000 Rule
Investment Option Operating
Expenses
As a %~
Asset Allocation
0.05%/ $.51 per
State St Target Ret Income SL Cl IV 1
0.05% $1,000
0.05%/ $.49 per
State St Target Ret 2020 SL Cl IV 1
0.05% $1,000
0.05%/ $.47 per
State St Target Ret 2025 SL Cl IV 1
0.05% $1,000
0.05%/ $.47 per
State St Target Ret 2030 SL Cl IV 1
0.05% $1,000
0.05%/ $.47 per
State St Target Ret 2035 SL Cl IV 1
0.05% $1,000
0.05%/ $.47 per
State St Target Ret 2040 SL Cl IV 1
0.05% $1,000
0.05%/ $.48 per
State St Target Ret 2045 SL Cl IV 1
0.05% $1,000
0.05%/ $.49 per
State St Target Ret 2050 SL Cl IV 1
0.05% $1,000
0.05%/ $.50 per
State St Target Ret 2055 SL Cl IV 1
0.05% $1,000
0.06%/ $.57 per
State St Target Ret 2060 SL Cl IV 1
0.05% $1,000
0.14%/ $1.35 per
State St Target Ret 2065 SL Cl IV 1
0.05% $1,000
International Funds
0.46%/ $4.60 per
American Funds EuroPacific Gr R6
0.46% $1,000
State St Gbl AllCp Eq ex-US Idx SL 0.06%/ $.57 per
2
Cl II 0.05% $1,000
Mid Cap Funds
0.81%/ $8.10 per
Diamond Hill Small-Mid Cap Y
0.80% $1,000
State St Russell Small/Mid Idx SL Cl 0.02%/ $.23 per
2
II 0.02% $1,000
Large Cap Funds
American Funds Growth Fund of 0.30%/ $3.00 per
Amer R6 0.30% $1,000
American Funds Washington Mutual 0.27%/ $2.70 per
R6 0.27% $1,000
0.01%/ $.10 per
State St S&P 500 Indx SL Cl II 2
0.01% $1,000
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IND ID: Page 4 of 6Gross/Net Gross Transfer Rule Shareholder Type Fees^
Total Per
Investment Option Annual $1000
Operating
Expenses
As a %~
Bond
0.02%/ $.20 per
State St US Bnd Indx SL Cl XIV 2
0.02% $1,000
0.22%/ $2.20 per
TCW MetWest Total Return Bond A
0.22% $1,000
Stable Value
0.32%/ $3.22 per
Wells Fargo Stable Value Fund X
0.32% $1,000
Stock
ABBOTT COMMON STOCK 3,4,5
ABBVIE COMMON STOCK
Rule #1 - Fund company restriction: A transfer into this fund will not be permitted if a prior transfer was made out of this fund in the last
30 days.
Rule #2 - Fund company restriction: A transfer of $10000 or more into this fund will not be permitted if a prior transfer of $10000 or more
was made out of this fund in the last 30 days.
Rule #3 - Dollar Cost Average and/or transfers into this fund may be prohibited. Please contact your plan sponsor if you have any
questions.
Rule #4 - This fund is not allowed as part of a transfer from a Rebalancer. Please contact your plan sponsor if you have any questions.
Rule #5 - This fund is not allowed as part of a transfer into a Rebalancer. Please contact your plan sponsor if you have any questions.
~ Gross Total Annual Operating Expenses are the gross fees potentially charged to the investment option and are displayed above in
accordance with fee disclosure regulations. The Net Total Annual Operating Expenses, also displayed above as supplementary
information, are the actual amounts charged by the investment option and may be different from the Gross Expenses due to certain fee
waivers or additional expenses charged by other service providers. Expenses reduce the return of the investment option. Part of these
fees may be shared with the plan's service providers to help pay for plan administration and/or recordkeeping fees. Part of these fees
may be shared with the plan's service providers and, under an agreement with the applicable plan fiduciaries, may be used to help pay
for plan administration and/or recordkeeping fees. The plan's fiduciaries may make changes to the plan's investments at any time
subject to applicable notice requirements. Please see the participant website for more information.
Please note that any Asset Allocation Models listed above are not separate investment options and that Gross/Net Total Annual
Operating Expenses are not separately calculated for the Models. The annual expense information provided for any Asset Allocation
Model in table 2 above is for informational purposes only and is determined by adding together the weighted percentage of the Total
Annual Operating Expenses (Gross and Net) of each of the Plan’s investment options utilized in the Asset Allocation Models. For
information on the investment options and allocation strategies of each Asset Allocation Model, if applicable, please visit the plan’s
website or contact the Participant Call Center.
^ Shareholder/Shareholder-Type Fees are fees paid directly from your investment in this option (e.g., sales loads, sales charges,
deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees).
NOTE: More current information about the Plan's investment options, including fees, expenses and performance
updates, may be available on the participant website listed in the title.
3 – Plan-Related Information
This section provides general Plan information, including a description of non-investment management fees and expenses
that may be charged to your account. This section also includes information on General Administrative Services Expenses
and Participant-Elected Services Expenses. Blank fields in the table below can be assumed to be not applicable or zero. If
there is no General Administrative Services Expenses table displayed there are no General Administrative Services fees
paid by you for your Plan.
General Information
Non-Investment Management Fees and Expenses: Includes recordkeeping, accounting, legal, consulting or other
administrative fees that may be charged to your account. The dollar amount actually charged to your account during the
previous quarter for such administrative or individual expenses will be reported to you on your quarterly statement. If you
have additional questions related to fees on your account, please contact the Participant Call Center at the number listed
on the first page of this document.
Investment Instructions: Your Plan lets you direct the investment of your account in the investment options listed in
Section 1. You may make changes to your investment options via the participant website or by calling the Participant Call
Center during normal business hours at the number listed on the first page of this document.
DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34
DOC ID: 532058391 EV ID:
IND ID: Page 5 of 6Limitations on Investments: Limits on making changes to your investment choices may be imposed by the Plan
Sponsor or by a manager of an investment option. Any limits or restrictions made by a fund manager are described
in the prospectus for the fund. They include restrictions intended to prevent “market timing” (i.e., rapid trading in and
out of a fund). In addition to the limits and restrictions described in the prospectus, the Plan Sponsor may have other
restrictions on making changes to your investment choices. These restrictions are included in the table in Section 2. For
more information on investment restrictions in your plan, contact the Participant Call Center at the number listed on the
first page of this document.
Voting, Tender, and Similar Rights: The appropriate Plan fiduciaries, or an individual or an institution designated by
the Plan fiduciaries, will exercise any voting or other rights associated with ownership of the Designated Investment
Alternatives offered in your Plan.
Plan Sponsor intends for this plan to be compliant with section 404(c) of the Employee Retirement Income Security Act,
and 29 CFR 2550.404c-1. Fiduciaries of the Plan may be relieved of liability for any losses which are the direct result of
investment instructions given by participants or beneficiaries.
Participant Elected Services Expenses Table
This table shows expenses for optional services available through your plan. Certain fees may be charged to your
individual account for optional services you use.
Participant Elected Services Expenses
as of 10/19/2021
Service Fee Amount Frequency Description
Participant Loan This fee is associated with originating a loan through your company's
$65.00 Per Distribution
(Origination) retirement plan.
WIRE Special Handling
$0.00 Per Distribution Wire Charge
Charge
ACH Special Handling
$0.00 Per Distribution ACH Charge
Charge
Empower Retirement
Up to $100K = 0.125000%
Advisory Services This fee applies if you are enrolled in the service and is deducted from the
Next $150K = 0.112500% Quarterly
Professional Management assets within the service.
Over $250K = 0.075000%
Program
EXPRESS Special
$0.00 Per Distribution Express Delivery Charge
Handling Charge
Brokerage Account This fee is for maintenance of self-directed accounts. This fee applies
$12.50 Quarterly
Maintenance ONLY if you have a self-directed account.
Your Plan may charge fees related to certain approval (e.g., Domestic Relations Orders, hardship withdrawals, etc.) or
other (e.g. advisory) services. For further information regarding these potential fees, please contact the Participant Call
Center at the number listed on the first page of this document.
Your Plan may also charge general administration fees related to the delivery of plan communications. In such event, a
fee may be deducted from your individual plan account on a per communication basis or on a quarterly or annual basis.
The cost per communication is generally between $2 to $3.
Fees and expenses do add up over time and can substantially reduce the growth of your retirement savings. Fees and
expenses are only two of several factors to consider when you make investment decisions.
You can visit the Department of Labor's website for an example showing the long-term effects of fees and expenses at
https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-retirement-
plan-fees.
Visit the participant website listed in the title for a "Glossary of Investment Terms" relevant to the investment
options under your Plan.
DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34
DOC ID: 532058391 EV ID:
IND ID: Page 6 of 6Empower Brokerage fee schedule
Please read carefully
This schedule contains information about the fees and charges that apply to Empower Brokerage accounts and transactions.
Please note that fees and other information are subject to change without notice. Securities may not be available through
all electronic trading channels. All investments may not be available based on a plan’s rules and restrictions. The Empower
Brokerage account is intended for knowledgeable investors who acknowledge and understand the risks associated with the
investments available through the account.
Electronic Broker assisted
No transaction fee (NTF) mutual funds:
$0 $0
Load and no-load1
Transaction fee mutual funds:
$25 per buy or sell; $5 per exchange $25 per buy or sell; $5 per exchange
Load and no-load2
Equities and exchange-traded fund(s)3 $0 $19.99
&HUWLȴFDWHVRIGHSRVLW &'V N/A $0
Fixed income: Corporate and agency bonds N/A $20
Treasury auctions: Bills, bonds, notes, strips N/A $20
$19.99 plus $0.65 per contract; $0 on
Options trades 4 $0 plus $0.65 per contract
option assignments and exercises
Orders executed over multiple days may result in separate transaction fees for each trading day. Regulatory and American
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Brokerage account services
3K\VLFDOFHUWLȴFDWHVDIHNHHSLQJ $10 per position per month
Reorganization — mandatory5 $10 per event
Reorganization — voluntary5 $50 per event
Legal or restricted security transfers $135 per transferempower-retirement.com
1 Funds held 30 days or less may be subject to a short-term redemption fee of $50. An initial minimum purchase of $500 and subsequent
minimum purchase of $1 applies to all NTF transactions.
2 Transactions in certain funds may result in an additional $10 surcharge, which will be displayed on the order preview screen before an
order is placed. Please contact your service representative to learn which mutual fund transactions may result in the surcharge. The
$10 surcharge plus the $25 transaction fee are not charged on periodic investments. Please contact your service representative for
more details.
3 Although these securities are available commission-free, upon selling, regulatory fees will still apply.
4 Options are not available for all investors.
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*UHDW:HVW/LIH $QQXLW\ΖQVXUDQFH&RPSDQ\ Clearing, settlement, custody and other brokerage services are provided by Pershing
LLC, Member FINRA/NYSE/SIPC and a wholly owned subsidiary of The Bank of New York Mellon Corporation. Additional information may
EHREWDLQHGE\FDOOLQJ*:)6DQG3HUVKLQJDUHVHSDUDWHDQGXQDɝOLDWHGEURNHUDJHȴUPV$FFRXQWVDUHVXEMHFWWRUHYLHZDQG
approval of GWFS.
GWFS Equities, Inc. may receive a fee from mutual fund companies participating in the Empower Brokerage service, for providing certain
distribution, administrative, and shareholder services.
6HFXULWLHVRHUHGDQGRUGLVWULEXWHGE\*:)6(TXLWLHVΖQF0HPEHU)Ζ15$6Ζ3&*:)6LVDQDɝOLDWHRI(PSRZHU5HWLUHPHQW//&
Great-West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational
purposes only and is not intended to provide investment, legal or tax recommendations or advice.
Be aware that certain mutual funds may be subject to separate and additional redemption fees imposed by the particular fund. Refer to that
fund’s current prospectus for details.
Transaction fees may apply to certain mutual funds. Transaction fees, where applicable, will be noted during online order entry or via your
registered representative during broker-assisted trades.
ETFs are a type of exchange-traded investment product that must register as either an open-end investment company (generally known as
“funds”) or a unit investment trust. ETFs are not mutual funds.
Real-time quotes are available when the markets are open. Trades placed when the markets are closed will be submitted during the next
trading session when the markets are open.
System availability and response times may vary due to market volatility, system performance or other factors. Be aware that certain mutual
funds may be subject to separate and additional redemption fees imposed by the particular fund. Refer to that fund’s current prospectus for
details. Transaction fees may apply to certain mutual funds. Transaction fees, where applicable, will be noted during online order entry or via
your registered representative during broker-assisted trades.
Options trading may increase the risk of principal loss and is not suitable for all investors.
%URNHUDJH3URGXFWV 8QOHVVRWKHUZLVHQRWHG 127)'Ζ&Ζ1685('_12%$1.*8$5$17((_0$Qualified Default Investment Alternative
150569-P1 AbbVie Puerto Rico Savings Plan
savingsplan.abbvie.net
This Qualified Default Investment Alternative (QDIA) notice gives you important investment information related to your
account under the AbbVie Puerto Rico Savings Plan (the Plan). You should read this notice very carefully to
understand how your Plan account assets will be invested if you do not make an investment election for all or
any portion of your account.
The Plan lets you invest your account in a number of different investment funds.
Unless you choose investment fund(s), your Plan account will be invested in the following investment fund(s):
Investment Fund: Birth Year
State St Target Ret Income SL Cl IV 1900 to 1952
State St Target Ret 2020 SL Cl IV 1953 to 1957
State St Target Ret 2025 SL Cl IV 1958 to 1962
State St Target Ret 2030 SL Cl IV 1963 to 1967
State St Target Ret 2035 SL Cl IV 1968 to 1972
State St Target Ret 2040 SL Cl IV 1973 to 1977
State St Target Ret 2045 SL Cl IV 1978 to 1982
State St Target Ret 2050 SL Cl IV 1983 to 1987
State St Target Ret 2055 SL Cl IV 1988 to 1992
State St Target Ret 2060 SL Cl IV 1993 to 1997
State St Target Ret 2065 SL Cl IV 1998 or later
State St Target Investment Objective & Strategy
Ret 2020 SL Cl IV
The State Street Target Retirement 2020 Fund (the "Fund") seeks an investment return
that approximates, as closely as practicable, before expenses, the performance of a
custom benchmark index (the "Index") over the long term.
Fund Investment Risk and Return Profile
Expense as of 09/30/2021
This investment option may be most appropriate for someone willing to take some
Gross: 0.05% risk to achieve higher potential returns. The investor may be approaching retirement,
Net: 0.05% with a short investment horizon, or may prefer to take less risk than other investors.
Investors choosing this option want to invest in a mixture of diverse investments
suiting their needs but may not have the time, desire, or knowledge to select their
own portfolios. The date in a target date fund's name represents an approximate
date when an investor is expected to retire (which is assumed to be at age 65) and/or
begins withdrawing money. The principal value of the funds is not guaranteed at any
time, including the target date. Asset allocation and balanced investment options and
models are subject to the risks of the underlying funds, which can be a mix of stocks/
stock funds and bonds/bond funds.
DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00
DOC ID: 532056729 EV ID:
IND ID: Page 1 of 5You can also read
