Yes! You can use AI to fill out Fidelity Distribution—Rollover
This form, officially titled Distribution—Rollover, is provided by Fidelity for participants in workplace retirement plans to request a direct rollover of their assets to another eligible retirement account, such as an IRA or a new employer's plan. It is crucial for transferring retirement savings without incurring immediate taxes or penalties. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Fidelity Distribution—Rollover |
| Number of pages: | 4 |
| Language: | English |
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How to Fill Out 3.TEMDISTRO.110 Online for Free in 2026
Are you looking to fill out a 3.TEMDISTRO.110 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your 3.TEMDISTRO.110 form in just 37 seconds or less.
Follow these steps to fill out your 3.TEMDISTRO.110 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Distribution—Rollover form or select it from their template library.
- 2 Provide your personal information in Section 1, including your name, Social Security Number, date of birth, and contact details.
- 3 Enter your employer and plan information in Section 2, specifying the Plan Sponsor and all relevant plan numbers.
- 4 In Section 3, select your reason for the distribution, such as separation from service or reaching a qualifying age.
- 5 Complete Section 4 to detail your rollover request, specifying whether you are moving all or some assets, the asset types (pre-tax, Roth), and the destination accounts.
- 6 Indicate your tax withholding preferences in Section 5 and choose a check delivery method in Section 6.
- 7 Review all AI-populated fields for accuracy, then electronically sign the form. Secure any required spousal or plan sponsor signatures before submitting the completed document to Fidelity as instructed.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form 3.TEMDISTRO.110
This form is used to request a rollover of your funds from a Fidelity-administered workplace retirement plan, such as a 401(k), 403(b), or 457(b), into another retirement account like an IRA or a new employer's plan.
Current or former employees who are eligible to take a distribution from their 401(a), 401(k), 403(b), or 457(b) plan should use this form. Beneficiaries and qualified alternate payees should call Fidelity directly instead of using this form.
You can find your plan number by logging into your account at NetBenefits.com and looking under 'Quick Links' for your plan summary. You can also contact your plan sponsor directly to get this information.
Your eligibility depends on your plan's rules and your employment status, as outlined in Section 3. You must meet a specific reason for distribution, such as separation from service or reaching a certain age, which you should confirm with your plan sponsor.
If you are married and your plan requires spousal consent (Section 7), your spouse must sign the form to acknowledge the distribution. This signature must be witnessed by a plan representative or a notary public to be valid.
A signature guarantee is a special stamp from a financial institution that verifies your identity and signature. It is required in Section 8 if your distribution is over $100,000, is not going to a Fidelity account, and your plan does not require a plan sponsor signature.
It depends on your plan's rules; some plans require approval from the plan sponsor, even for former employees. You should contact Fidelity or your plan sponsor to determine if a signature is needed in Section 9.
You can submit the entire form digitally using the NetBenefits mobile app, or by sending it via regular or overnight mail to the Fidelity addresses listed on the last page of the form.
If your rollover is sent by check, standard mail takes approximately 7 business days after your request is approved. You can choose expedited UPS delivery for a $25 fee, which takes about 2 business days.
If you roll over the entire eligible amount directly to another retirement account, no taxes are withheld. However, for any taxable portion paid directly to you, a mandatory 20% federal tax withholding will apply.
Yes, Section 4 allows you to move either all of your plan assets or only some of them. You can specify a dollar amount, a percentage, or select specific asset types (like pre-tax or Roth) to roll over.
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields, which can save you time and reduce errors. This is especially helpful for forms with multiple sections and detailed information.
To fill out this form online, you can upload the PDF to the Instafill.ai platform. The AI will identify the fields, and you can then type your information directly into the interactive form before downloading the completed document.
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai to convert it into an interactive, fillable form. Simply upload the document, and the tool will make the fields editable for you to complete on your computer.
No, this form is for the original account owner or participant only. As a beneficiary, you should call Fidelity directly at 1-800-343-0860 for assistance with your distribution options.
Compliance 3.TEMDISTRO.110
Validation Checks by Instafill.ai
1
Ensures Social Security Number is Complete and Formatted Correctly
This check verifies that the Social Security or Taxpayer ID Number field in Section 1 is not empty and conforms to a valid 9-digit format (e.g., XXX-XX-XXXX or XXXXXXXXX). This is critical for uniquely identifying the participant for tax reporting and account processing. A failure would prevent the system from locating the correct account and processing the distribution request.
2
Validates Singular Selection for Reason for Distribution
The form requires the participant to check only one reason for distribution in Section 3. This validation ensures that one and only one checkbox has been selected from the available options. Selecting multiple reasons or no reason makes the request ambiguous and non-compliant with federal tax law, leading to rejection of the form.
3
Verifies Age Qualification for Distribution
If the participant selects 'Qualified by age' as the reason for distribution in Section 3, this check calculates their age using the 'Date of Birth' from Section 1. It then confirms the calculated age meets the plan's minimum requirement (e.g., 59½). This is crucial for compliance with plan rules and IRS regulations, and failure means the participant is not eligible for this distribution reason.
4
Checks for Logical Consistency of Separation Date
If 'Separation from service' is selected in Section 3, this validation confirms that the 'Separation Date' field in Section 9 is filled out. It also ensures the provided date is not in the future and is on or after the 'Participant's Date of Hire'. This is necessary to confirm eligibility as a former employee, and a mismatch or missing date will halt the request.
5
Enforces Mutual Exclusivity of Rollover Amount Options
In Section 4, a participant can choose to 'Move ALL Plan Assets' OR 'Move SOME Plan Assets', but not both. This validation ensures that selections have been made in only one of these two subsections. If both are filled out, the instructions are contradictory, and the form must be rejected to await clarification from the participant.
6
Restricts Invalid Rollover of Roth Assets
The form explicitly states that Roth assets cannot be rolled into a standard Rollover IRA. This check enforces that rule by verifying that if any Roth assets are part of the distribution request in Section 4, the selected destination is a 'Roth IRA' or an 'Employer-sponsored plan', not a 'Rollover IRA'. An invalid selection would result in a failed transaction and potential tax complications.
7
Requires Destination Account Information for Rollovers
When a participant elects to roll over assets to an external account in Section 4 (e.g., Rollover IRA, Roth IRA, or Employer-sponsored plan), this check ensures the 'Investment Provider or Employer-Sponsored Plan Name' field is completed. Without this information, Fidelity cannot correctly issue and direct the rollover check. A blank field will cause the request to be considered incomplete.
8
Validates State-Specific Tax Withholding Minimums
For residents of specific states (NY, NM, NJ, ND, PA, RI) who opt to withhold a custom dollar amount, this check verifies that the provided value in Section 5 is at least the $10 minimum. This ensures compliance with form instructions and system processing rules. An amount below the minimum would be rejected, and the user would be prompted to correct it.
9
Prohibits UPS Delivery to P.O. Box Addresses
The form states that UPS delivery is not available for P.O. Box addresses. If the participant selects 'Check sent by UPS delivery' in Section 6, this validation cross-references the mailing address on file or provided in Section 1. If the address is identified as a P.O. Box, the validation fails, preventing a delivery exception and associated fees.
10
Conditional Requirement for Spousal Consent
This validation checks if the 'Married' box is selected in Section 1. If it is, it flags the form to verify that Section 7, 'Spouse’s Consent', is completed if required by the specific retirement plan's rules. Since this depends on plan-specific rules, failure would typically trigger a manual review to prevent an invalid distribution that violates spousal rights under the plan.
11
Mandates Participant Signature and Date
A distribution request is not legally binding without the participant's authorization. This check ensures that the 'Participant Signature' and 'Date' fields in Section 8 are both completed. An unsigned or undated form is considered incomplete and will be immediately rejected, as Fidelity has no authority to act on the instructions.
12
Verifies Plan Information Completeness
To correctly identify the source accounts for the distribution, the plan sponsor and plan number(s) are required. This validation ensures that the 'Name of Plan Sponsor' and at least one 'Plan Number' field in Section 2 are filled in. Missing this information makes it impossible to process the request, leading to its rejection.
Common Mistakes in Completing 3.TEMDISTRO.110
This form may require a signature from a plan sponsor (Section 9) or a notarized signature from a spouse (Section 7). Participants often overlook these requirements, assuming their own signature is sufficient. Submitting the form without a necessary plan sponsor or spousal signature will result in an automatic denial of the distribution request, forcing the participant to start the process over. Always confirm with your plan administrator if these signatures are needed before submitting.
Section 4 is complex, and users often make errors by providing conflicting instructions, such as selecting options in both the 'Move ALL' and 'Move SOME' subsections. Another common error is attempting to roll assets into an ineligible account type, like rolling Roth assets into a traditional Rollover IRA. These mistakes create ambiguity and lead to processing delays or rejection while the firm seeks clarification.
A Medallion Signature Guarantee is required for distributions over $100,000 to a non-Fidelity account or when updating an address on the form. Many people confuse this with a notary stamp or are unaware of the requirement altogether. Failure to provide the correct signature guarantee when needed will cause the request to be rejected, significantly delaying access to funds.
In Section 2, participants must list the specific plan numbers they wish to distribute from, but they often enter incorrect numbers, leave the section blank, or improperly list plans from multiple employers on one form. This can lead to funds being drawn from the wrong plan, or not all intended funds being distributed. To avoid this, log into your NetBenefits account to verify the exact plan numbers before filling out the form.
Participants must select a valid reason for distribution in Section 3 that they are eligible for under their specific plan rules. A common mistake is a former employee selecting a reason only available to current employees, or vice-versa, without first confirming their eligibility with the plan sponsor. An incorrect selection will lead to the request being denied, as it fails to meet federal tax law and plan requirements.
The form has specific rules for state tax withholding in Section 5, particularly for residents of states like NY, NM, NJ, ND, PA, and RI, who must specify a dollar amount. Many residents of these states check a box to withhold taxes but fail to enter a dollar amount, which results in zero state tax being withheld by default. This can lead to an unexpected and significant tax bill when they file their annual taxes.
The form explicitly states that a notary seal is NOT a signature guarantee (Sections 7 and 8). However, individuals frequently obtain a notarization when a Medallion Signature Guarantee is what's actually required for their transaction. This mistake stems from a misunderstanding of financial security procedures and will cause the form to be rejected, as a notary does not provide the same financial backing and verification as a signature guarantee.
In Section 4, users must clearly define what assets to move and where they should go. A frequent error is failing to provide complete destination account information, such as the receiving firm's name or account number, after indicating a rollover. Another mistake is selecting to roll over 100% of assets but also checking a box to have some assets sent as a check, creating a direct contradiction that cannot be processed.
The instructions specify using capital letters and black ink if filling out by hand, but many people use illegible cursive, lowercase letters, or blue ink. This can lead to data entry errors when the form is processed, potentially sending money to the wrong account or causing delays due to incorrect personal information. If the form is a non-fillable PDF, tools like Instafill.ai can convert it into a fillable version to ensure all entries are legible and properly formatted.
Section 1 warns that providing a new address may delay the check unless a signature guarantee is obtained. Participants often update their address directly on the form without realizing this triggers an additional security requirement. This oversight leads to an avoidable delay in receiving their funds, as the processing is paused until the identity verification via signature guarantee is completed.
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