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Plan highlights

Details, descriptions and everything you need to stay informed about your plan.

Information about the plan

Enrollment and eligibility

You are automatically eligible to participate in the plan based on the terms of your collective bargaining agreement.

Your contributions

An Employer will make contributions on your behalf according to the terms of the Collective Bargaining Agreement or applicable agreement. Refer to the summary plan document (SPD).


"Vesting" refers to your ownership of the money in your account. You are always 100% vested in your own contributions.

You are immediately 100% vested in the following source:
Employer contribution

Accessing your money

It's important to learn about all options regarding your account balance before you retire or separate from service. You will need to make a decision about what to do with your vested account balance when one of the following events occurs:

  • You retire at the plan's normal retirement age of 65.
  • You become permanently disabled.
  • Your death. Your beneficiary is entitled to your account balance when you die; your beneficiary is responsible for all federal income tax imposed. Distribution upon death may also be subject to federal and state inheritance and estate taxes.
  • Your separation from work.

Distributions before 59½ age may be subject to an additional early withdrawal penalty tax.

When any of the events listed above occur, you or your beneficiary will have several distribution options. It is important to understand each of the distribution options listed in your plan’s Summary Plan Description before you make your decision. For assistance, please contact a Prudential representative at 877-PRU-2100 (877-778-2100).

Investment options

View investment options


Your retirement plan offers GoalMaker, an optional, easy-to-use asset allocation program that, if selected, will invest your contributions in one of 12 model portfolios that matches your investor style and years to retirement.

Learn moreGetting the most out of your retirement plan

Visit any of these links to stay informed and up to date on all the features of your plan.

See how to get started with your plan

Learn more about key plan features

Browse tools and resources

Southwest Carpenters Annuity Fund Plan Resources and Quick Actions


Download plan communications, documents, and information here.

Go to forms and documents


Get contact information for your plan counselors and administrators.

View plan contacts


Manage your information, review your plan details, and more.

Log in to your account