This document is about a notice informing the reader that the Bakery Drivers Local 550 and Industry Pension Fund has been certified to be in critical and declining status. It explains that the Fund is required to adopt a rehabilitation plan to restore its financial health, and that this may involve reductions in certain "adjustable benefits" as well as an employer surcharge. The document provides details on the specific adjustable benefits that may be reduced or eliminated, and indicates that further benefit reductions may be proposed in the future if necessary.