Ingram 401(k) Retirement Plan

How 401(k) Works

• After you're hired, you are automatically enrolled in the 401(k) at a contribution rate of 5%. You can change your contributions or opt out at any time.
• Your contributions and Ingram's matching contributions are deposited into a personal retirement account.
• You decide how the funds are invested.
• If no investment options are selected, your money will be invested in a life path fund based on your year of birth and the approximate date you will retire (the fund assumes your retirement date is age 65).

Company Contributions and Vesting

Ingram matches 100% of the first 5% of eligible funds you contribute from your paycheck. Make sure you're contributing at least 5% to get the full matching amount.

Vesting refers to how much of the money in your 401(k) you own. You're always fully vested in your own contributions and earnings. After two years of work at Ingram, you will become 100% vested in the company contributions.

Contribution Types and Limits

There are two kinds of contributions you can make to your 401(k):

• Pre-tax contributions are made before taxes are withheld from your paycheck. You'll pay less in federal income tax now, but you'll be taxed when you withdraw funds from your 401(k).
• Roth 401(k) contributions, or after-tax contributions, are made after you've paid taxes. The earnings on your investments grow tax-free, providing certain requirements are made.

The IRS limits how much you can add to your 401(k) each year:

• For 2026, the limit is $24,500.
• If you are over 50, you may add a catch-up contribution of $8,000.
• If you are 60–63, you may add $11,250 in catch-up contributions.

Automatic Increase Program

To help you save more each year for your future, consider using the automatic increase program. You set your contributions to automatically increase by 1%–3% each year until you reach 15%. You can do this through your account at myplan.johnhancock.com by selecting "My contributions" under the "Manage" tab.

Designate Your Beneficiary

You've worked hard to create financial security by saving money in your retirement plan. Be sure to protect one of your most valuable assets by designating a beneficiary. In the event something happens to you, your beneficiary designation shows how you want your savings distributed. Review, update, or name your beneficiary(ies) by logging in to myplan.johnhancock.com > My Profile > Update My Beneficiary Info.

Required Notices

Ingram 401(k) Retirement Plan

• Ingram 401(k) Annual Notice (2026)
• Ingram 401(k) Plan Summary Plan Description (SPD)
• Ingram 401(k) Plan Summary of Material Modifications (SMM)

Fund Change Notices

• MFS Fund Change Notice
• Vanguard Fund Change Notice

Ingram SAR Notice

• Summary Annual Report