Why should I participate in the plan?
● Tax Savings: You don’t pay taxes on the money you put in until you take it out.
● Employer Match: Your employer adds extra money to your account.
● Easy Saving: Money is taken directly from your paycheck, making saving automatic.

How do I enroll?
Visit Principal to enroll.

What if I am already enrolled?
Click here to access your account.

When can I enroll?
● Age 21
● 60 Days

What tools and planning resources available online?
● Make an estate plan and prepare your will
● Attend the monthly educational webinars
● Update your beneficiaries
● Confirm your risk tolerance and review your investment options 

How much can I contribute?
You can contribute a portion of your paycheck to the 401(k) plan, with the maximum deferral amount being $23,500 for 2025. Employees aged 50 or older maximum deferral amount is $31,000. Ages 60-63 is $34,750.

Does the company offer a matching contribution, and how does it work?
Quality Restaurant Group, LLC offers a discretionary match program. Please contact the plan advisor for more information on matching contributions.

Does the plan have a Roth option? 
The plan also includes a Roth 401(k) option, allowing you to make after-tax contributions. Withdrawals from a Roth 401(k) in retirement are tax-free, provided certain conditions are met and do not interfere with any Roth IRA contributions you may have made outside of the plan.

Does the plan accept rollovers?
Yes, the Quality Restaurant Group, LLC retirement  plan accepts rollovers from other qualified retirement plans. Click here for more information and contact the plan advisor to discuss your options.

Rollover:  Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of FINRA website for additional information.