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Annual Plan Review

ABC Company Profit Sharing Plan Prepared on June 18, 2011


Contacts Your Investment Professional Robert W. Advisor BOB Investment Services 111 Huntington Avenue, 6th floor Boston, MA 02199 Phone: 857-555-1234 Fax: 857-555-9999 Email: Robert@BOB.com


Introduction to Your Annual Plan Review At ExpertPlan, our goal is to provide outstanding service to our clients and their employees. We know that you have many choices when it comes to offering a retirement plan to your staff, and we would like to thank you for choosing us. The materials included in this Annual Plan Review are designed to give you [and your investment professional] a comprehensive overview of your plan, including its features, investment performance, and demographics. Wherever possible, we have included previous years’ data as well as industry benchmarking statistics to help you gain a clearer understanding of your plan’s performance. We appreciate your continued business, and look forward to working with you in the years to come. Sincerely,

Julian N. Onorato Chief Executive Officer and Chairman of the Board


The Economy and the Markets The U.S. stock market ended the year on a high note, as positive economic news pushed the major indexes to levels not seen in more than two years. The S&P 500 gained 15% for the year, the Dow was up 11%, and the Nasdaq climbed 17%. A steady stream of encouraging news about the U.S. economy (with the notable exception of the housing market) provided a renewed sense of optimism on the domestic front during the final months of 2010. But saber rattling and economic anxieties overseas forced investors to keep at least some of their enthusiasm in check. Korean military animosity, the Irish sovereign debt crisis, and Chinese monetary policy at times overshadowed good news at home. The health of the global economy is still a concern. Asia has largely escaped recession (except for Japan), and the recessions in Africa, the Middle East, and South America have been relatively short and mild. However, the recession in Europe has been deeper and longer than the recession in the United States, and Europe’s financial problems have pushed the euro down, further dampening U.S. export growth. Reversing a course established throughout the summer and early fall, bond yields began climbing — and prices started to fall — as the end of 2010 approached. The appeal of a rising stock market likely accounted for some of the money flowing out of bonds, as did stronger economic news and the prospect of a larger federal deficit. The price slide occurred despite the Fed’s implementation of a program to buy up to $600 billion of longer-term Treasury securities by the end of June 2011. Republicans dominated the November elections, and an immediate consequence was an extension of the Bush tax cuts — some of which have a direct bearing on investors. Rather than allow those cuts to expire at the end of 2010, as originally scheduled, Congress acted to extend many of them through 2012. For example, the capital gains and dividend tax rates remain capped at 15%, income tax rates remain at their 2010 levels, a new AMT “patch” provides higher exemption amounts, and key estate tax laws have been rewritten.

2010 Index and Indicator Snapshots Market Index

2010 Annual Return

S&P 500 (large-cap stocks)* S&P 400 (mid-cap stocks)* S&P 600 (small-cap stocks)* Wilshire 5000* MSCI EAFE (foreign stocks)* MSCI EM (emerging market stocks)* Barclays Aggregate (investment-grade bonds)* Barclays Intermediate Government (intermediate U.S. investment-grade)* Barclays Long-Term U.S. Government* Barclays High-Yield* Barclays 3-Month (Treasury bills)* NAREIT Equity REIT Index (U.S. commercial real estate)* Economic Indicator Inflation** Unemployment**

15.05% 25.66% 26.32% 17.50% 8.21% 19.19% 6.56% 5.89% 9.44% 15.12% 0.15% 27.93%

1.49% 9.4%

*Sources: Standard & Poor’s; Morgan Stanley Capital International; Barclays Capital; National Association of Real Estate Investment Trusts. **Source: Bureau of Labor Statistics. Inflation data as of December 31, 2010. Unemployment rate as of November 30, 2010.


The Retirement Landscape The following industry information is presented to help you review your plan provisions and demographics. Retirement Plan Limits*

401(k) elective deferral limit Age 50+ catch-up contribution limit Highly compensated (HCE) definition Officer for key employee definition Defined contribution plans, basic limit Maximum includible compensation

2009 $16,500

2010 $16,500

2011 $16,500

$5,500

$5,500

$5,500

$110,000

$110,000

$110,000

$160,000

$160,000

$160,000

$49,000 $245,000

$49,000 $245,000

$49,000 $245,000

*Source: Internal Revenue Service.

Summary of Retirement Rules and Legislation • New fee disclosure regulations finalized. After years of debate and proposals, the Department of Labor (DOL) has provided final regulations on the responsibilities of plan fiduciaries regarding fee disclosure. The regulations take effect for plan years beginning on or after November 1, 2011, and require disclosure to be annually distributed to participants in four areas: 1. Investment-related information, including information on each investment’s performance, expense ratios, and fees charged directly to a participant's account. 2. Plan administrative expenses, including an explanation of fees or expenses not included in the investment fees charged to the participant.

3. Individual participant expenses, which details fees charged for services such as loans and investment advice. 4. General plan information, including information regarding the investments in the plan and the participant's ability to manage their investments. (Note: This portion can be satisfied if included in the Summary Plan Description.) • Clarification around new cost basis regulations. The IRS issued detailed final regulations that provide new rules for reporting the cost basis of securities on Form 1099-B. Further guidance clarified that stock held in a tax-favored retirement plan is not subject to these rules. Additionally, stock distributed in-kind from a tax-qualified plan to a participant (as reported on Form 1099-R) can reasonably be treated as “noncovered securities” and thus is not subject to these rules. This applies to employer stock as well as other in-kind payouts. • “In plan” Roth conversions now allowable. The Small Business Jobs and Credit Act of 2010 signed into law by President Obama in September included an “in plan” Roth conversion provision for 401(k), 403(b), and 457(b) plans. Unlike the right to transfer to a Roth IRA, which plans were required to offer beginning in 2008, there is no requirement for plan sponsors to offer the in-plan Roth conversion feature. Any participant (including former participants with account balances in the plan) who is eligible to receive an eligible rollover distribution can make the Roth conversion election. The election is available to surviving spouses, but not to nonspouse beneficiaries. There is no income limit or filing status restriction for this election.


The Retirement Landscape Retirement Plan Benchmarking Data From the Profit Sharing/401k Council of America’s 53rd Annual Survey of Profit Sharing and 401(k) Plans, 2010. Participation and Contributions • Average participation rate = 82.3% • Average pre-tax deferral rate for non-highly compensated employees = 5.2% • Average pre-tax deferral rate for highly compensated employees = 6.7% • Participants aged 50+ who made catch-up contributions = 24.1% • Vesting in company match contributions: – 3- to 6-year graded = 42.9% – Immediate = 39.5% – 2- to 3-year cliff = 14.9% – Other = 2.7% • Offer Roth 401(k) option = 41.3% • Average participation rate of Roth 401(k) = 13% • Permit rollovers = 98.3% Auto Enrollment/Default Investments • Offer automatic/negative enrollment = 38.4% • Default auto enroll percentage = 3% (adopted by 58% of plans) • Default investment options: – Target-date fund = 57% of plans – Lifestyle fund = 19.9% – Balanced fund = 14.3% – Professionally managed account = 3.3% – Other = 2.3% – Stable value = 2.6% – Money market = 0.7% • Offer auto escalation feature = 39.7%

Loans, Distributions, and Withdrawals • Permit loans = 90.2% • Participants who have loans = 23.1% • Average loan amount = $8,760 • Permit hardship withdrawals = 90.8% • Permit in-service distributions = 74.4% • Distribution options offered: – Lump sum = 99.9% – Installments = 41.4% – Annuities = 12.6% – Retain in plan (if balance is over $5,000) = 53.4%


The Retirement Landscape Investments • Average number of investments offered = 18 • Average asset allocation: – Domestic equity (active) = 28.9% – Domestic bond (active) = 10.7% – Target-date = 10.3% – Stable value = 9.7% – International equity (active) = 9.6% – Domestic equity (indexed) = 8% – Balanced fund = 4.5% – Lifestyle = 4.3% – CD/money market = 4.1% – Company stock = 3.6% – Other = 2.9% – Self-directed brokerage = 1.8% – Domestic bond (indexed) = 0.9% • Plans making financial counseling/investment advice available = 60.1% • Participants using counseling/advice services = 21.6%

Plan Management and Administration • Have investment policy statement = 85.8% • Monitor investments on quarterly basis = 64.4% • Offer nonqualified supplemental plan(s) = 28% • Designated safe harbor plans = 34.2% • Top-heavy plans = 6.2% • ADP test results: – Passed because of safe harbor plan design = 36.9% – Non-safe harbor, passed without election adjustments or return of contributions = 34.9% – Excess contributions returned to participants after test = 17.1% – HCE elections limited after plan reached test maximums = 7.4% – HCE elections limited by plan design = 6.5% – Other = 2.2%


Plan Statistics & Participant Demographics Plan Assets

Participation Rate

2,000,000

75% 1,750,000

1,500,000

73% 1,250,000

Assets $

74.0%

74%

980,000

1,000,000

71.7%

72% 70.8%

71% 70%

500,000

69% 68% 980,000 2007

0

2008

2009

2007

67%

2008

Deferral Rates* 8.6%

Your Plan 2007

8.4% 8.2%

8.2%

Your Plan 2008

8.0%

7.9%

7.8%

7.4%

Your Plan 2009

7.6%

7.6%

Peer *

7.3%

7.2% 7.0%

2007

2008

*Includes only actively deferring participants

2009

Peer

*Data from Profit-Sharing/401k Council of America.

2009

67.6% Peer


Plan Statistics & Participant Demographics Participant Statistics

Money Into the Plan 2007

2008

2009

Employee Contributions

$64,000

$96,200

$126,000

Employee Rollover

$18,000

$12,000

$53,000

$9,100

Employer Contributions

$34,500

$56,100

$74,200

29

31

Investment Performance

$73,600

$57,200

$114,700

$13,000

$16,000

Total

$190,100

$221,500

$367,900

2007

2008

2009

Total number of eligible employees

250

265

296

Active participants

186

200

225

$6,200

$6,335

Participants w/loans

35

Average loan balance

$10,000

Average account balance

Money Out of the Plan 2007

2008

2009

Cash Payouts

$15,000

$15,000

$25,000

Rollovers

$35,000

$35,000

$50,000

Loans

$10,000

$12,000

$15,000

Hardships

$3,000

$0

$2,500

Total

$63,000

$62,000

$92,500


Plan Statistics & Participant Demographics Investment Options 04-30-2010 Amount Percentage

04-30-2011 Amount Percentage

Individuals Invested as of 6-24-2011

Asset Class

Investment Name

CUSIP/Ticker

Life Cycle Life Cycle Life Cycle Life Cycle

Vanguard LifeStrategy Growth Vanguard LifeStrategy Mod Gro Vanguard LifeStrategy Cons Gro Vanguard LifeStrategy Mod Gro

008000AA7

ABCDE ABCDE ABCDE

$477,127.29 $107,115.09 $673,811.21 $107,115.09

9% 2% 13% 2%

$190,477.42 $62,393.65 $536,231.49 $62,393.65

5% 2% 15% 2%

20 9 5 9

Municipal Bond - Single State Money Market Money Market Money Market Money Market

American Beacon Enhanced Income Inv Advantus Money Market Advantus Money Market Advantus Money Market Advantus Money Market

ABCDE ABCDE ABCDE ABCDE ABCDE

$58,290.84 $58,290.84 $58,290.84 $58,290.84 $58,290.84

1% 1% 1% 1% 1%

$781,643.48 $781,643.48 $781,643.48 $781,643.48 $781,643.48

23% 23% 23% 23% 23%

13 13 13\ 13 13

Bond Bond Bond Bond Bond

PIMCO Low Duration Retirement Vanguard LgTrm InvGr Fd Inv Sh PIMCO Low Duration Retirement Vanguard LgTrm InvGr Fd Inv Sh PIMCO Low Duration Retirement

ABCDE ABCDE ABCDE ABCDE ABCDE

$212,837.09 $59,766.62 $212,837.09 $59,766.62 $212,837.09

4% 1% 4% 1% 4%

$104,832.10 $89,018.08 $104,832.10 $89,018.08 $104,832.10

3% 3% 3% 3% 3%

13 9 13 9 13

Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock

Dodge & Cox Stock Vanguard 500 Index Growth Funds of America T. Rowe Price Mid-Cap Growth Gabelli Small Cap Growth Fund Vanguard 500 Index Growth Funds of America

ABCDE ABCDE ABCDE ABCDE ABCDE ABCDE ABCDE

$212,837.09 $59,766.62 $59,766.62 $107,115.09 $673,811.21 $59,766.62 $59,766.62

4% 1% 1% 2% 13% 1% 1%

$104,832.10 $89,018.08 $89,018.08 $62,393.65 $536,231.49 $89,018.08 $89,018.08

3% 3% 3% 2% 15% 3% 3%

13 9 9 9 5 9 9


Plan Statistics & Participant Demographics Investment Options 04-30-2010 Amount Percentage

04-30-2011 Amount Percentage

Individuals Invested as of 6-24-2011

Asset Class

Investment Name

CUSIP/Ticker

Life Cycle Life Cycle Life Cycle Life Cycle

Vanguard LifeStrategy Growth Vanguard LifeStrategy Mod Gro Vanguard LifeStrategy Cons Gro Vanguard LifeStrategy Mod Gro

008000AA7

ABCDE ABCDE ABCDE

$477,127.29 $107,115.09 $673,811.21 $107,115.09

9% 2% 13% 2%

$190,477.42 $62,393.65 $536,231.49 $62,393.65

5% 2% 15% 2%

20 9 5 9

Municipal Bond - Single State Money Market Money Market Money Market Money Market

American Beacon Enhanced Income Inv Advantus Money Market Advantus Money Market Advantus Money Market Advantus Money Market

ABCDE ABCDE ABCDE ABCDE ABCDE

$58,290.84 $58,290.84 $58,290.84 $58,290.84 $58,290.84

1% 1% 1% 1% 1%

$781,643.48 $781,643.48 $781,643.48 $781,643.48 $781,643.48

23% 23% 23% 23% 23%

13 13 13\ 13 13

Bond Bond Bond Bond Bond

PIMCO Low Duration Retirement Vanguard LgTrm InvGr Fd Inv Sh PIMCO Low Duration Retirement Vanguard LgTrm InvGr Fd Inv Sh PIMCO Low Duration Retirement

ABCDE ABCDE ABCDE ABCDE ABCDE

$212,837.09 $59,766.62 $212,837.09 $59,766.62 $212,837.09

4% 1% 4% 1% 4%

$104,832.10 $89,018.08 $104,832.10 $89,018.08 $104,832.10

3% 3% 3% 3% 3%

13 9 13 9 13

Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock Domestic Stock

Dodge & Cox Stock Vanguard 500 Index Growth Funds of America T. Rowe Price Mid-Cap Growth Gabelli Small Cap Growth Fund Vanguard 500 Index Growth Funds of America

ABCDE ABCDE ABCDE ABCDE ABCDE ABCDE ABCDE

$212,837.09 $59,766.62 $59,766.62 $107,115.09 $673,811.21 $59,766.62 $59,766.62

4% 1% 1% 2% 13% 1% 1%

$104,832.10 $89,018.08 $89,018.08 $62,393.65 $536,231.49 $89,018.08 $89,018.08

3% 3% 3% 2% 15% 3% 3%

13 9 9 9 5 9 9


Investment Summary Included for your review is an overview of the investment objectives and risk considerations for the funds in your plan. LifeCycle Portfolios Life Strategy I Vanguard LifeStrategy Growth

Life Strategy II Vanguard LifeStrategy Mod Gro

Life Strategy III Vanguard LifeStrategy Cons Gro

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.

Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.

Cash Money Market Advantus Money Market

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Investment Summary Fixed Income Short-Term Bond PIMCO Low Duration Retirement

Long-Term Inv-Grade Bond Vanguard LgTrm InvGr Fd Inv Sh

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.

Equity Large-Cap Value Dodge & Cox Stock

Large-Cap Blend Vanguard 500 Index

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.


Investment Summary Large-Cap Growth Growth Funds of America

Mid-Cap Growth T. Rowe Price Mid-Cap Growth

Small-Cap Growth Gabelli Small Cap Growth Fund

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.

Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.

International Blend American Funds Capital World Gro & Inc

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Investment Summary Growth Dodge & Cox International Growth

Growth T. Rowe Price Emerging Markets Stock

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincid ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit.


Investment Performance

Asset Class

Investment Name

CUSIP/Ticker

Life Cycle

Vanguard LifeStrategy Growth

008000AA7

Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Municipal Bond - Single State Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark Bond Comparable Benchmark Bond Comparable Benchmark Bond Comparable Benchmark

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite American Beacon Enhanced Income Inv

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite PIMCO Low Duration Fund Instl

ABCDE

Growth Composite Vanguard LgTrm InvGr Fd Inv Sh

ABCDE

Growth Composite PIMCO Low Duration Fund Instl Growth Composite

ABCDE

Standard Deviation1 3 YR 5 YR Expense2

3 MON

1 YR

3 YR

5 YR

10 YR

Total

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80


Investment Performance

Asset Class

Investment Name

CUSIP/Ticker

Domestic Stock

Dodge & Cox Stock

ABCDE

Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Municipal Bond - Single State Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark

Growth Composite Vanguard 500 Index

ABCDE

Growth Composite Growth Funds of America

ABCDE

Growth Composite T. Rowe Price Mid-Cap Growth

ABCDE

Growth Composite T. Rowe Price Mid-Cap Growth

ABCDE

Growth Composite Vanguard LifeStrategy Growth

008000AA7

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite American Beacon Enhanced Income Inv

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market Growth Composite

ABCDE

Standard Deviation1 3 YR 5 YR Expense2

3 MON

1 YR

3 YR

5 YR

10 YR

Total

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80


Investment Performance

Asset Class

Investment Name

CUSIP/Ticker

Life Cycle

Vanguard LifeStrategy Growth

008000AA7

Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Municipal Bond - Single State Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark Bond Comparable Benchmark Bond Comparable Benchmark Bond Comparable Benchmark

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite American Beacon Enhanced Income Inv

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite PIMCO Low Duration Fund Instl

ABCDE

Growth Composite Vanguard LgTrm InvGr Fd Inv Sh

ABCDE

Growth Composite PIMCO Low Duration Fund Instl Growth Composite

ABCDE

Standard Deviation1 3 YR 5 YR Expense2

3 MON

1 YR

3 YR

5 YR

10 YR

Total

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80


Investment Performance

Asset Class

Investment Name

CUSIP/Ticker

Domestic Stock

Dodge & Cox Stock

ABCDE

Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Domestic Stock Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Life Cycle Comparable Benchmark Municipal Bond - Single State Comparable Benchmark Money Market Comparable Benchmark Money Market Comparable Benchmark

Growth Composite Vanguard 500 Index

ABCDE

Growth Composite Growth Funds of America

ABCDE

Growth Composite T. Rowe Price Mid-Cap Growth

ABCDE

Growth Composite T. Rowe Price Mid-Cap Growth

ABCDE

Growth Composite Vanguard LifeStrategy Growth

008000AA7

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite Vanguard LifeStrategy Mod Gro

ABCDE

Growth Composite American Beacon Enhanced Income Inv

ABCDE

Growth Composite Advantus Money Market

ABCDE

Growth Composite Advantus Money Market Growth Composite

ABCDE

Standard Deviation1 3 YR 5 YR Expense2

3 MON

1 YR

3 YR

5 YR

10 YR

Total

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.65

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80

46.94

22.45

(1.56)

22.45

35.65

18.25

15.89

21.60

21.52

18.27

(2.36)

35.60

40.15

12.15

11.29

26.80


About ExpertPlan In 1999 ExpertPlan was one of the original web-based 401(k) providers to address the micro and small business retirement plan market. Today, there is no plan size, no plan type, nor any service delivery model that we cannot support. ExpertPlan provides recordkeeping and administration services for thousands of employers representing billions of dollars in retirement assets. We continue to grow through strategic relationships, by providing retirement programs to plan sponsors in partnership with payroll providers, banks, TPAs, CPAs, advisors, asset managers, and other financial professionals. ExpertPlan’s scalable recordkeeping system can be customized to fully integrate with a client's business and preferred service model. We offer a wide variety of service models and plan types, for both start-up and conversion plans, within the defined contribution and defined benefit markets. With the help of our dedicated retirement services support team, plan sponsors can quickly and easily establish a new plan or convert an existing plan from their current provider. We support traditional 401(k) plans including Profit Sharing and New Comparability, Safe Harbor, Owner-Only Solo(k), 457, 403(b), Money Purchase, Defined Benefit including Cash Balance, and more. Our proprietary recordkeeping system supports an open architecture investment platform with over 220 mutual fund families. Our customized solutions allow plan sponsors the flexibility to structure a retirement plan that is tailored to fit the unique needs of their company. To learn more about ExpertPlan visit our website at www.expertplan.com. 50 Millstone Road Building 400, Suite 300 East Windsor, NJ 08520 Phone: 609-918-2500 Fax: 609-918-1328 sales@expertplan.com © 2011 ExpertPlan, Inc. All rights reserved. “The Economy and the Markets” and “The Retirement Landscape” included in this presentation are © 2011 by McGraw-Hill Financial Communications. All rights reserved. No duplication or use of this content is permitted without express permission of McGraw-Hill Financial Communications.

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