RETIREMENT

Employee Education and Communications
The true measure of success for any plan is whether or not it provides adequate retirement benefits to plan participants. Our employee education and communications strategy is client centric, based on the client’s culture and employee demographics.

For defined contribution plans, our overall objectives are three-fold:

• To maintain high levels of participation
• To achieve above-average employee contribution levels
• To assist employees in creating individual investment portfolios that stand the test of time.

The first step is to educate employees so that they enroll in the plan once they become eligible. To increase participation levels, we use a successful combination of personalized enrollment materials, group meetings and one-on-one sessions.

The second step is to encourage participants to continue to increase their level of savings, as appropriate. Through a combination of onsite group and individual meetings, educational seminars and workshops, we engage participants in the way they learn best.

The third step is to help participants maintain a well-diversified portfolio over time. We offer group and individual sessions designed to assist participants throughout the retirement planning life cycle, including the accumulation, pre-retirement and distribution phases.

For defined benefit plans, our overall objectives are two-fold:

• To increase employee appreciation of this frequently misunderstood and undervalued benefit
• To help employees understand how this benefit integrates with Social Security and other savings plans to provide total retirement income.

We can provide a full array of employee education and communications services such as:

• Awareness programs, plan education and benefit guides, and other custom communications related to the plan
• Individual employee statements that show current accrued and projected benefits, including estimated benefits from Social Security
• A summary of plan provisions with examples describing how the plan works as well as the types of benefits available
• Individual projections of benefits at various retirement ages.