These are the types of things a union should pass along. Many I suspect are aware but if not and you are tight for cash, you can elect through Fidelity to have you dividend payed out to you in cash. You do it within your Fidelity account. You can set it up for an ACH payment or have it directly set up for you.
If you set it up electronically, it can take a few days for verification so you might want to select the "send a check " directly from Fidelity.
Again I ask why won't the unions negotiate a provision where we can contribute the IRS maximum in our 401K's? Not the 16% because many will not reach that amount with their base pay but could afford to do the IRS Max. These are the simple things that make you wonder who the hell is leading this parade of fools.