For Participant FAQs

No. If your account has a balance, it will automatically transition to the new platform.

Your account will automatically transition to the new platform. A brief blackout period is expected to begin at end of business on January 28, 2026. During this time account access will be unavailable.

Before January 28:

• Make any desired changes to contributions or investments.
• Save any documents you may need during the blackout period, such as confirmations of investments and deferrals and tax forms.

Access will be available at alerusrb.com after the blackout period ends, anticipated on February 4, 2026. You will receive an email with login instructions when your account is ready.

ONLINE. Click here for instructions and links to create your account, or follow these steps:

• Go to alerusrb.com, click Log in, select My Alerus, and click Go
• The first time you log in, you will need to create an account. Click Set up online access and enter the required information to create your account. You have two options for the Alerus Account Verification: Alerus Retirement Account Number (which we will provide via email when the blackout is lifted) or Hire Date.
• After setting up your account, you will be required to verify your identity. This may include authentication via phone, email, or answering security questions. These measures are in place to help protect your account and personal information.

Tip: Create your account online before using the mobile app.

MOBILE APP. After creating your account at alerusrb.com, download the Alerus Retirement mobile app from the App Store (Apple devices) or Google Play (Android and Samsung devices). Log in using the credentials you set up online.

Yes. You must create an account at alerusrb.com. You may use the same credentials as before, but you cannot log in without first creating an account.

Important: After setting up your account, you will be required to verify your identity. This may include authentication via phone, email, or answering security questions. These measures are in place to help protect your account and personal information.

Yes. Account access will be unavailable while your account is transitioned to the new platform. We expect the blackout period to begin January 28, 2026 (end of business) through February 3, 2026. Make any changes to your account before January 28 and save any documents you might need to reference during the blackout period, such as confirmations of investments and deferrals and tax forms.

Yes. Your current investments and plan features will remain unchanged.

Fees that apply to your plan are unchanged or, in some cases, may be less than previous rates.

Beneficiary designations that are currently stored online will transfer to the new platform. We recommend verifying your beneficiary designations after the transition. Click here for instructions.

Your personal information will be securely transferred to the new platform, but we recommend reviewing it when your account becomes accessible after the transition.

No. New distribution requests, including rollovers, hardship or in-service withdrawals, or new loan requests (if your plan allows loans), will be unavailable during the blackout period, anticipated to begin January 28, 2026 (end of business) through February 3, 2026. Complete any requests prior to January 28 or submit them at alerusrb.com after the blackout period ends.

Click here for instructions to request an online distribution.

Click here to request a loan, if your plan allows.

Regularly scheduled installment payments will be automatically transferred and processed as usual after the blackout period ends. There is no action required by you, but we recommend reviewing your schedule for accuracy after the blackout period ends.

If you are scheduled to receive an installment payment on February 1, 2026, your payment will be processed on January 26, 2026, and issued in the manner you have previously elected.

In addition to an enhanced online experience, Alerus provides multiple digital tools to help you manage and track your retirement savings.

• Mobile app. Available in English and Spanish, the Alerus Retirement mobile app allows you to view your balance, monitor performance and personal rate of return, review contributions, receive alerts, change your deductions and beneficiaries, conduct transactions, and view and download statements.

Download from the App Store

Download from Google Play

• Automated contribution increases. Your online account access includes the ability to establish an automatic increase to increase your deferral amount over time based on criteria you establish.
• Quarterly participant statements. Easy-to-read statements will be posted online and available approximately 15 business days following each quarter end of the calendar year. The first statement from Alerus will reflect the period January 1, 2026, through March 31, 2026. (Please note: You will receive a final December 31, 2025, statement from Fulton Financial Advisors. Following the transition, account statements from the previous 12 months will be available on the new platform.)
• Enhanced financial planning with My Alerus. This complimentary addition to your retirement plan services allows you to track all your financial accounts, set goals, and access interactive financial planning resources. Use My Alerus when you log into your account, or download the My Alerus app from the App Store (Apple devices) or Google Play (Android and Samsung devices).
• Monthly financial webinars. Take Flight financial wellness webinars are hosted the third Wednesday of every month at 2 p.m. ET and provide practical insights on a variety of financial topics. All sessions are recorded and shared online for future reference. Click here for upcoming session details.
• Retirement plan support. The Alerus Client Service Center is staffed by retirement specialists who can assist with login issues, enrollment and other retirement plan questions. They are available Monday through Friday, 8 a.m. to 8 p.m. ET.

Click here for details explaining each section of your statement.

Participant statements are issued quarterly throughout the calendar year. Statements are posted to your online account, and you will receive an email notification when new documents are posted, unless you opt out of electronic delivery. The first statement you will receive from Alerus will be delivered in mid-April 2026, for activity from January 1, 2026, through March 31, 2026.

Tax forms and statements are available online in the My Documents section of My Alerus. Click here for details.

• For tax year 2025 (forms issued in early 2026), Fulton Financial Advisors will provide your tax forms.
• For tax year 2026, you may receive two 1099-R forms:
  • One from Fulton Financial Advisors for activity in January 2026.
  • One from Alerus for activity from February through December 2026.
• For tax years after 2026, Alerus will provide your tax forms.
• Beginning in mid-April 2026, Alerus will issue quarterly statements. The first statement will cover January 1, 2026, through March 31, 2026.
• Tax documents and statements provided by Alerus will be available at alerusrb.com, where you can view, download, save, or print your plan documents by logging into your account. Documents remain available for at least one year, and you will receive email notifications when new documents are posted unless you opt out of electronic delivery.

Visit the Alerus Resource Center at alerursrb.com for tips, account access guides, and more.

Alerus retirement specialists are available Monday-Friday from 8 a.m. to 8 p.m. ET at 800.433.1685 or alerus@alerus.com.