Planning for Your Future
Capital Accumulation Programs

With all the demands of everyday life, it can be hard for employees to stop and plan for their financial future. To help you, Prudential currently offers four different plans that comprise its Capital Accumulation Program. The individualized choices that help you build toward a safe, fulfilling, and financially secure tomorrow include:

The Prudential Employee Savings Plan (PESP)
PESP is a tax-qualified retirement plan that most Prudential employees are eligible for, depending upon their date of hire. You may contribute 1% to 50% of your eligible earnings and, after one year, we will match 100% of your before-tax contributions. PESP makes it easy to take out loans and invest—it offers 13 different investment options, as well as use of our GoalMaker asset allocation service to help you invest and save.

Prudential Supplemental Employee Savings Plan (SESP)
You are qualified for SESP if your eligible earnings under PESP exceed the federal annual maximum compensation limit, and if you enroll within 30 days of your date of hire. Your SESP accounts are "unfunded," or exempt from most requirements of the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. These accounts are for record-keeping purposes only, and loans and in-service withdrawals are not permitted.

Prudential Cash Balance Plan
This is a tax-qualified plan that all employees are eligible for when they join Prudential—without cost or need for enrollment. It is based on a cash balance formula that expresses your benefit as an account balance and is determined by adding credits on your behalf each month.

Prudential Supplemental Retirement Plan
You are automatically enrolled in this plan on the day that: 1) your eligible earnings under the cash balance formula exceed the federal annual maximum compensation limit; 2) your benefits exceed the federal annual maximum defined-benefit limit; or 3) your eligible earnings are reduced by deferring a portion of your compensation under Prudential's Deferred Compensation Program. This plan provides non-qualified benefits and, like the SESP, is "unfunded."

Securities are offered by Pruco Securities, LLC (member SIPC), a Prudential Financial company.


The Prudential Insurance Company of America, Newark, NJ, is an Equal Opportunity/Affirmative Action Employer and is committed to diversity in its workforce.

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IFS-A133763   Ed. 03/2008