summary Fund description. The Administrator may make a reason- are successful, the court may order the person you have sued to able charge for the copies. pay these costs and fees. If you lose, the court may order you to pay Receive a copy of the Fund’s Annual Funding Notice and a copy of these costs and fees; for example, if it finds your claim is frivolous. any application for an automatic amortization extension, if appli- ASSISTANCE WITH QUESTIONS cable. The Trustees are required by law to furnish each participant If you have any questions about your Fund, you should contact the with copies of these notices. Fund Administrator. If you have any questions about this statement Obtain a statement telling you whether you have a right to receive or about your rights under ERISA, you should contact the nearest a pension at Normal Retirement Age and, if so, what your benefits office of the Employee Benefits Security Administration (EBSA), would be at Normal Retirement Age if you stop working under the U.S. Department of Labor or the Division of Technical Assistance Fund now. If you do not have a right to a pension now, the state- and Inquiries, Employee Benefits Security Administration, U.S. ment will tell you how many more years you have to work to have Department of Labor, 200 Constitution Avenue NW, Washington, a right to a pension. This statement must be requested in writing D.C. 20210. You may also obtain certain publications about your and is not required to be given more than once every twelve (12) rights and responsibilities under ERISA by calling the publications months. The Fund must provide the statement free of charge. hotline of the EBSA. For single copies of publications, contact the PRUDENT ACTIONS BY FUND FIDUCIARIES EBSA at 1-866-444-3272 or contact the EBSA field office near you. You may also find answers to your questions at the website of the In addition to creating rights to Fund participants, ERISA imposes EBSA at www.dol.gov/ebsa. duties upon the people who are responsible for the operation of the employee benefit Fund. The people who operate your Fund, called “fiduciaries” of the Fund, have a duty to do so prudently and in the interest of you and other Fund participants and beneficia- ries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a pension benefit or exercising your rights under ERISA. ENFORCE YOUR RIGHTS If your claim for a pension benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above GENERAL INFORMATION rights. For instance, if you request materials from the Fund and do not receive them within 30 days, you may file suit in a Federal The following information is provided to let you know how the Na- court. In such a case, the court may require the Fund Administrator tional Pension Fund is operated on a day-to-day basis and who is to provide the materials and pay you up to $110 a day until you re- responsible for basic decisions. ceive the materials, unless the materials were not sent because of reasons beyond the control of the Trustees. If you have a claim for ADMINISTRATION benefits which is denied or ignored, in whole or in part, you may The National Pension Fund is jointly administered by a Board of file suit in a state or Federal court. In addition, if you disagree with Trustees, consisting of an equal number of union representatives the Fund’s decision or lack thereof concerning the qualified status and employer representatives. The Board of Trustees is both the of a domestic relations order or a medical child support order, you Fund Sponsor and the legal Fund Administrator under the Em- may file suit in Federal court. If it should happen that Fund fiducia- ployee Retirement Income Security Act (ERISA). The Trustees hire ries misuse the Fund’s money, or if you are discriminated against an Executive Director and office staff to keep records, make benefit for asserting your rights, you may seek assistance from the U.S. De- payments and otherwise assist in the administration of the Fund. partment of Labor, or you may file suit in a Federal court. The court will decide who should pay the court costs and legal fees. If you SUMMARY PLAN DESCRIPTION 2023 // 29