Pentegra Retirement Services Plan Tools

THE PENTEGRA

ADVANTAGE Communication Tools & Resources to Drive Plan Success

2 Enterprise Drive, Suite 408 Shelton, CT 06484-4694

800•872•3473 tel 203•925•0674 fax www.pentegra.com

© 2014 Pentegra Retirement Services

Pentegra Retirement Services.

Our

difference. Your advantage.

At Pentegra, we believe that the right combination of plan tools and resources are central to the success of any retirement program.

That’s why we offer plan sponsor tools designed to help you manage your plan easily and more effectively.

Our education and retirement planning resources focus on helping participants understand the financial challenge that retirement represents and how to best maximize the plan to meet their savings goals and objectives.

Look for periodic updates from Pentegra to help you remind you of the many plan tools we offer, along with creative ideas that can be used to help your participants recognize the importance of your plan in saving for a financially secure future.

Talk To an

Expert

Need to access an expert? Pentegra’s team is comprised of ERISA attorneys, enrolled actuaries, certified plan consultants, compliance, investment and education specialists, many of whom hold the ASPPA and CEBS designations, and who have, on average, more than 20 years of experience in the retirement plan industry.

Pentegra’s “Talk to an Expert” features insightful Q&A’s with some of these specialists. The topics cover a wide scope of key retirement plan design and technical issues to help you better understand the many facets of retirement plan management.

The tool also offers you the ability to ask our experts questions on featured topics.

Visit www.pentegra.com /expertise/talktoanexpert to learn what they have to say and email us with your questions and suggestions on topics of interest.

Annual Plan

Review

Our Annual Plan Review provides you with a comprehensive review of your retirement program.

The review delivers detailed plan demographics, investment and asset allocation analysis and key recommendations to ensure that your plan continues to achieve successful outcomes.

Retirement News And Technical

Updates

Pentegra is dedicated to keeping you abreast of industry developments and issues that impact your retirement program. Our team utilizes a variety of communication vehicles, including e-bulletins, newsletters, white papers, articles, podcasts and webinars to regularly communicate with clients.

These updates are shared on www.pentegra.com as well as through our plan sponsor and participant websites.

RETIREMENT ADVANTEDGE Our Retirement Advantedge Regulatory and Technical updates provide guidance and support with respect to regulatory and legislative issues that impact your retirement program.

YOUR ADVANTAGE Pentegra provides periodic updates through our e-newsletter, Your Advantage. Be sure to adjust your email settings to receive newsletters and important updates from youradvantage@pentegra.com

Pentegra

OnLine

24/7 ACCESS Available through our secure website, www.pentegra.com, Pentegra OnLine provides an easy and convenient way for both participants and plan sponsors to manage plan accounts and conduct transactions.

Pentegra OnLine delivers advanced plan management and reporting tools, making it easy to manage the details of your plan and access secure plan-level information and reporting at your convenience.

Enrollment Kit Our “Your Retirement. Your Way� enrollment kit provides comprehensive, plan specific information. Available in print or electronic format, the kit highlights specific plan features, the importance of retirement planning, provides investment essentials, including investment fund fact sheets, and outlines the advantages of participating in the plan.

Employee Benefit

Network

The Employee Benefit Network makes plan specific enrollment information continuously available to participants online. Through this innovative retirement plan information center, you can offer your employees 24/7 access to plan enrollment information—including plan highlights, retirement planning and education information, and information on plan investments. The Employee Benefit Network is an online enrollment kit that you make available to your participants using a link from your intranet or website, or from Pentegra OnLine. From this link, participants can review the provisions of the plan, evaluate their investment options, and learn more about retirement planning and investing, using the same content and graphics that are currently available through our enrollment kit.

Pentegra App For

Smartphones

Participants can view their plan account using an iPhone or Android smartphone. This free App is available today from the App Store or Google Play. The App provides participants with the ability to view account balances, contributions,transaction history, and portfolio performance.

Building Blocks for Retirement

Education Series

Pentegra’s Building Blocks for Retirement education series is designed to offer smart ways to help get your message across to participants easily and effectively. Monthly content coincides with different key calendar dates and themes. You can choose to send educational messages based on what works best for your employee group—using either the entire campaign on a monthly basis, or on a periodic basis, whenever you want to promote your plan. View the Building Blocks education series at www.pentegra.com/buildingblocks.

Building Blocks for Retirement

Poster Series & Multimedia Tools

Pentegra’s Building Blocks for Retirement poster series and multimedia tools are designed to help you promote your plan with attention grabbing targeted, effective messaging. With topics ranging from the advantages of participating, to increasing contributions and building an investment strategy, these tools easily remind employees of the importance of saving for retirement and how your plan can help.

Your

Retirement Matters

Pentegra’s participant education newsletter, “Your Retirement Matters” offers participants helpful retirement and financial planning tips. Easy to read articles cover topics such as asset allocation, diversification, and balancing risk/return. These are available on a quarterly basis, and accessible from Pentegra OnLine under the online statement section of the participant website.

Targeted

Communications

Pentegra offers targeted, personalized employee communications that encourage participants to take action and meet specific retirement goals. Each communication focuses on a single retirement planning topic, and makes its point by incorporating personal illustrations and examples based specifically on the participant’s plan and account information.

Financial

Resource Center

Pentegra’s Financial Resource Center, accessible from Pentegra OnLine, uses engaging flash animation, in-depth educational content to take participants through the different states of retirement planning, based on their age and proximity to retirement. These self-motivating interactive modules and tools explain and reinforce important financial concepts in smart, engaging and informative ways.

Guidance and Advice Planning

Tools

Everyone’s financial situation, time horizon and risk tolerance are different. Our Guidance Plus and Advice Plus investment education tools, accessible from Pentegra OnLine, are designed to help participants define their personal investment strategy.

GUIDANCE PLUS Guidance Plus provides a complete array of financial planning tools designed to help participants assemble long-term financial plans and determine whether they are on track to achieve their goals, with investment guidance and recommendations, along with a personalized action plan.

• Educates the participant with respect to his/her investment options • Recommends specific asset class allocations • Provides information and tools to select investment funds within those asset classes • Records participant choices and returns investment decisions to the recordkeeping system ADVICE PLUS Advice Plus provides plan participants with objective investment advice from a proven source. Advice Plus answers frequently expressed participant requests for help—with specific investment recommendations.

• Educates the participant with respect to his/her investment options • Recommends specific asset class allocations • Suggests investment funds within those asset classes and the amount to be invested in each • Records participant choices and returns investment decisions to the recordkeeping system