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February 1, 2015SUMMARY PLAN DESCRIPTIONFORINVENTIV HEALTH, INC. EMPLOYEE 401(K) SAVINGS AND RETIREMENT PLANEmployer Identification Number: 52-2181734Plan Number: 001This is only a summary intended to familiarize you with the major provisions of the Plan. You should read thissummary closely. If you have any questions and before you make any important decisions based on yourunderstanding of the Plan from this summary, you should contact the Plan Administrator.
HOW TO USE THIS SUMMARYTABLE OF CONTENTSThe table of contents gives a detailed description of where specific information concerning a particular topic maybe found.GLOSSARYSome terms used in the summary have special meanings. These terms are identified by capitalizing the term's firstletter. To find out the exact meaning of a special term, there is a glossary at the end of this summary.EFFECTIVE DATEThis booklet describes in easy-to-understand terms the principal features of the Plan as in effect on February 1,2015. It updates and replaces any prior descriptions of the Plan. Some Plan provisions may be different foremployees whose employment terminated before February 1, 2015.MORE SPECIFIC INFORMATIONSome technical details and legal expressions contained in the formal Plan documents have been omitted in thissummary. The formal Plan documents govern in administering and interpreting the rights of participants and theirbeneficiaries.
TABLE OF CONTENTSINTRODUCTION TO YOUR PLAN . 1HOW YOU SAVE . 1YOUR PLAN ACCOUNT . 2VESTING OF YOUR ACCOUNT . 2DISTRIBUTION OF BENEFITS . 2SPONSOR DISCRETION . 2PLAN IDENTIFICATION INFORMATION . 2TYPE OF PLAN. 2ADMINISTRATOR . 3SPONSOR. 3SPONSOR'S EMPLOYER IDENTIFICATION NUMBER . 3PLAN NUMBER . 3OTHER ADOPTING EMPLOYERS . 3SERVICE PROVIDER . 3FUNDING MEDIUM . 3TRUSTEE. 3AGENT FOR SERVICE OF LEGAL PROCESS. 3ELIGIBILITY TO PARTICIPATE. 4ELIGIBILITY REQUIREMENTS . 4COVERED EMPLOYEES . 4DATE OF PARTICIPATION. 4TRANSFERS OF EMPLOYMENT . 4REEMPLOYMENT. 4YOUR CONTRIBUTIONS . 5401(K) CONTRIBUTIONS. 5ROLLOVER CONTRIBUTIONS . 6VESTED INTEREST IN YOUR CONTRIBUTIONS . 7EMPLOYER CONTRIBUTIONS . 8M ATCHING CONTRIBUTIONS . 8NONELECTIVE CONTRIBUTIONS . 8VESTED INTEREST IN EMPLOYER CONTRIBUTIONS . 9VESTING SERVICE . 9PLAN INVESTMENTS . 10WHERE PLAN CONTRIBUTIONS ARE INVESTED . 10404(C) PROTECTION . 10M AKING INVESTMENT ELECTIONS . 10VALUING YOUR ACCOUNT . 11LOANS FROM YOUR ACCOUNT . 11APPLICATION FOR LOAN . 11i
ACCOUNTS UNAVAILABLE FOR LOAN . 11FEDERAL TAX RULES GOVERNING PLAN LOANS . 11COLLATERAL FOR LOAN . 12DEFAULT ON LOAN . 12SPECIAL LOAN RULES . 12IN-SERVICE WITHDRAWALS . 12WITHDRAWALS OF YOUR CONTRIBUTIONS . 12WITHDRAWALS OF EMPLOYER CONTRIBUTIONS . 12WITHDRAWALS WHILE ABSENT ON MILITARY DUTY . 13HARDSHIP WITHDRAWALS . 13FORFEITURE OF NON-VESTED AMOUNTS . 14DISTRIBUTION OF YOUR ACCOUNT . 15DISTRIBUTION TO YOU . 15SPECIAL TAX RULES APPLICABLE TO DISTRIBUTIONS . 15DISTRIBUTION TO YOUR BENEFICIARY . 16CASH OUTS OF ACCOUNTS AND CONSENT TO DISTRIBUTION. 16FORM OF PAYMENT . 16FORM OF PAYMENT TO YOU . 16FORM OF PAYMENT TO YOUR BENEFICIARY . 17YOUR BENEFICIARY UNDER THE PLAN . 17SPOUSAL CONSENT . 18ERISA CLAIMS PROCEDURES . 18INITIAL RESPONSE TO CLAIM . 18CLAIM DENIAL . 18REVIEW OF ADMINISTRATOR'S DECISION . 18SPECIAL RULES APPLICABLE TO DISABILITY CLAIMS . 19BRINGING A CIVIL ACTION UNDER ERISA . 20AMENDMENT AND TERMINATION OF THE PLAN . 20PLAN AMENDMENT . 20PLAN TERMINATION . 20MISCELLANEOUS INFORMATION . 20PLAN BOOKLET DOES NOT CREATE EMPLOYMENT CONTRACT . 20NO GUARANTEES REGARDING INVESTMENT PERFORMANCE . 20PAYMENT OF ADMINISTRATIVE EXPENSES . 20QUALIFIED DOMESTIC RELATIONS ORDERS . 20MILITARY LEAVE . 21RETURN OF CONTRIBUTIONS TO YOUR EMPLOYER. 21TOP-HEAVY PROVISIONS . 21LIMITATIONS ON CONTRIBUTIONS . 21MORE THINGS YOU SHOULD KNOW . 21ii
YOUR RIGHTS UNDER THE PLAN . 22RIGHT TO INFORMATION . 22PRUDENT ACTIONS BY FIDUCIARIES . 22ENFORCING YOUR RIGHTS . 22ASSISTANCE WITH YOUR QUESTIONS . 23GLOSSARY . 24ADDENDUM RE: GRANDFATHERED PROVISIONS . 29GRANDFATHERED IN-SERVICE WITHDRAWAL PROVISIONS . 29ADDENDUM RE: DIFFERENT MATCHING CONTRIBUTION PROVISIONS FOR DIFFERENT EMPLOYEEGROUPS . 30DIFFERENT VESTING SCHEDULES FOR DIFFERENT EMPLOYEE GROUPS . 30ADDENDUM RE: DIFFERENT NONELECTIVE CONTRIBUTION PROVISIONS FOR DIFFERENT EMPLOYEEGROUPS . 33DIFFERENT VESTING SCHEDULE FOR DIFFERENT EMPLOYEE GROUPS . 33ADDENDUM RE: SPECIAL TAX NOTICE UNDER IRC 402(F) . 35YOUR ROLLOVER OPTIONS . 35PART I . 35GENERAL INFORMATION ABOUT ROLLOVERS . 35SPECIAL RULES AND OPTIONS . 37FOR MORE INFORMATION . 40PART II . 40YOUR ROLLOVER OPTIONS . 40GENERAL INFORMATION ABOUT ROLLOVERS . 40SPECIAL RULES AND OPTIONS . 43FOR MORE INFORMATION . 44iii
INTRODUCTION TO YOUR PLANThe inVentiv Health, Inc. Employee 401(k) Savings and Retirement Plan helps you provide for your retirementsecurity by making it simple and convenient for you to contribute to your retirement savings regularly. YourEmployer may also make contributions to your Account to provide you with additional savings. The Plan isintended to meet federal tax law qualification requirements, allowing your savings to accumulate on a tax-deferredbasis and permitting you to save more dollars for your retirement.HOW YOU SAVE You may contribute a percentage of your pay to the Plan as 401(k) Contributions. You may make Pre-Tax401(k) Contributions and/or Roth 401(k) Contributions. For information on making 401(k) Contributions,see YOUR CONTRIBUTIONS: 401(k) CONTRIBUTIONS. If you will be age 50 by the end of the year, you may make Catch Up 401(k) Contributions to the Plan.Catch Up 401(k) Contributions are additional 401(k) Contributions that are not subject to annual limitsimposed on 401(k) Contributions under the Plan. For more information on making Catch Up 401(k)Contributions, see YOUR CONTRIBUTIONS: 401(k) CONTRIBUTIONS and LIMITATIONS ONCONTRIBUTIONS. If you have savings from another retirement plan or annuity, you may be able to roll those savings into thePlan as Rollover Contributions. For more information on the types of savings that may be rolled over intothe Plan and the terms and conditions for making Rollover Contributions, see YOUR CONTRIBUTIONS:ROLLOVER CONTRIBUTIONS. If you contribute to the Plan, your Employer will add a Regular Matching Contribution. For information onthe amount of your Employer's Regular Matching Contribution and the terms and conditions for receivingRegular Matching Contributions, see EMPLOYER CONTRIBUTIONS: M ATCHING CONTRIBUTIONS. Your Employer may also make Standard Nonelective Contributions to the Plan for you. For information onthe amount of your Employer's Standard Nonelective Contribution and the terms and conditions forreceiving Standard Nonelective Contributions, see EMPLOYER CONTRIBUTIONS: NONELECTIVECONTRIBUTIONS. Your Employer may make special contributions to the Plan for you that can be used to help it satisfynondiscrimination rules applicable to 401(k) plans. These contributions are called Qualified NonelectiveContributions. For information on the terms and conditions for receiving Qualified NonelectiveContributions, see EMPLOYER CONTRIBUTIONS: NONELECTIVE CONTRIBUTIONS. If you contribute to the Plan, your Employer may make special contributions to the Plan for you that can beused to help it satisfy nondiscrimination rules applicable to 401(k) plans. These contributions are calledQualified Matching Contributions. For information on the terms and conditions for receiving QualifiedMatching Contributions, see EMPLOYER CONTRIBUTIONS: M ATCHING CONTRIBUTIONS. Your Account may include Prior Nonelective Contributions that were either (1) made under the terms ofanother plan and then transferred directly to the Plan or (2) made under terms of the Plan that are nolonger in effect. These prior contributions may be subject to different rules than other amounts held underthe Plan. Your Account may include Prior Safe Harbor Contributions that were either (1) made under the terms ofanother plan and then transferred directly to the Plan or (2) made under terms of the Plan that are nolonger in effect. These prior contributions may be subject to different rules than other amounts held underthe Plan. Dollars you save as Pre-Tax 401(k) Contributions and dollars your Employer contributes
SUMMARY PLAN DESCRIPTION FOR INVENTIV HEALTH, INC. EMPLOYEE 401(K) SAVINGS AND RETIREMENT PLAN Employer Identification Number: 52-2181734 Plan Number: 001 This is only a summary intended to familiarize you with the major provisions of the Plan. You should read this summary closely. If you
