Retirement Plan

Performance Report

Plan Sponsor: Company 1

Plan Advisor: Aaron Advisor, AIF

Reporting Period: April 1, 2010 – September 30, 2010

This report documents changes in participants' saving

behavior, requests for information and review of key fiduciary
disclosures

Page 1
Table of Contents

Report Summary.......................................................Page 3
Find out participants' Retiremap adoption levels, get a high
level view of their changes with regard to savings behavior
and see how they scored on retirement readiness

Changes in Participant Behavior.............................Page 5

See specific changes for:
• Monthly pay deferral rates
• Requests for auto escalation
• Requests for the advisor to contact them about plan
details or investment strategy

Participant Usage (anonymous).............................Page 6

View anonymous data on participant use, including:
• Levels of participation
• Completion of the 404(c) disclosure module
• Top 10 financial goals

Engagement Activity................................................Page 8
See a list of past activities taken to engage participants and
get them to go through Boulevard R's Retiremap software

How To Improve Outcomes.....................................Page 9

See how you can further improve participant retirement
readiness and better fulfill your fiduciary duty.

Page 2
Report Summary

Here are the key usage metrics for the Retiremap platform:

Started online Completed on-

goal setting line goal setting
2.7% process but did process, got a
17.6% not complete it Starter Roadmap
and reviewed
404(c) disclos-
5.7%
ures
Completed on- Have not started
line goal setting the online goal
process and got setting process
a Starter
74.0% Roadmap, but
did not review
404(c) disclos-
ures

Changes in Savings Behavior

As a result of using the Retiremap software, the amount that
participant monthly savings rates increased by, as a result of
requesting to change their pay period deferral amount (auto
deferral), was:

70.4%

$748
800

700
$635 Average Average
monthly auto monthly plan
600 deferral sav- sponsor auto
ings rate be- deferral sav-
500
$439 fore Re- ings rate
tiremap after Re-
400 tiremap
Average
300
monthly auto
200 deferral sav-
ings rate
100 after Re-
tiremap
0
Changes in Savings Rates

Page 3
Retirement Readiness
Regarding overall retirement readiness, participants' results
looked like this (100 = most prepared for a secure retirement;
0 = least prepared for a secure retirement):

80
23%
70

60 18%
Scored 80-100
50 Scored 60-80
14%
40 Scored 40-60
15% Scored 20-40
30
Scored 0-20
20 29%
10

0
Retirement Readiness Scores

Here are the assumptions that are being used to calculate

retirement readiness:

 Inflation rate: 3%

 Success rate of Monte Carlo simulations for non-

retirement years, based on portfolio type: 85%

 Replacement rate for income at retirement:

First five years of retirement: 90%
Early middle retirement: 75%
Late middle retirement: 70%
Last five years of retirement: 70%

 Percentage of retirement assets that are tax deferred:

40%

 Rate of return on investable assets in retirement

(after tax): 5%

Page 4
Changes In Participant
Behavior
Of the 68 participants who started the goal setting process,
here are the results and changes in savings behavior
(orange), and requests for information or assistance (yellow):

68
70
59
60
Number of Participants
Number of Participants

50
37
40
32
30
19
20 14

10

0
Started Com- Increased Reques- Reques- Reviewed
the goal pleted the their ted in- ted that the
setting goals set- auto-de- formation the plan 404(c)
process ting pro- ferral rate on auto- advisor disclos-
cess and escala- contact ures
received tion them
a Starter
Roadmap

Of the participants who received a Starter Roadmap:

 62.7% increased their auto-deferral rate

 54.2% requested information on auto-escalation
 23.7% requested that the plan advisor contact them
 32.2% reviewed the 404(c) disclosures

Page 5
Participant Usage
(anonymous)
Here are the metrics on overall participant adoption, based on
the number of participants who have used the Retiremap
software and received a Starter Roadmap:

23%
Number of
participants
in the plan
Number of
participants
who have
recieved a
Starter
Roadmap
77%

Review of 404(c) Disclosures

Here is a percentage of participants who have received a
Starter Roadmap and also reviewed and acknowledged that
they have understood the 404(c) disclosures, accessed from
the online Dashboard:

32.3%

To improve this percentage, consider running an email

campaign with a link directly to the 404(c) module and target
participants who have already received a Starter Roadmap,
since they already have an account.

To request a list of participants who have reviewed the 404(c)

disclosures, please contact your plan advisor.

Page 6
Top Financial Goals
Of the short term financial goals that participants selected and
placed on the timeline, here are the top 10:

1. Invest better for retirement (24.7% of participants

selected this goal)
2. Max out retirement savings (21.1%)
3. Pay down credit card debt (18.3%)
4. Buy a home (18.0%)
5. Create an emergency fund (14.2%)
6. Save for college (13.9%)
7. Pay down credit card debt (10.2%)
8. Minimize tax liability (9.5%)
9. Reduce monthly spending (5.3%)
10. Get long term care insurance (5.1%)

Consider creating educational workshops for the most

popular goals.

Page 7
Engagement Activity

Here is a list of activities that have been take to engage

participants and get them to go through the Retiremap
process:

Activity Date
Webinar for all plan participants Tuesday, April 27, 2010
at 2:00pm EDT
Email Campaign #1: Sent Tuesday, April 27, 2010
introductory email with activation at 2:00pm EDT
link
Email Campaign #1: Sent reminder Tuesday, May 4, 2010 at
email #1 with activation link 2:30pm EDT
Email Campaign #1: Sent reminder Tuesday, May 11, 2010
email #2 with activation link at 2:30pm EDT
Advisor presentation to plan Wednesday, September
participants 8, 2010 at 10:00am EDT
Email Campaign #2: Sent Wednesday, September
introductory email with activation 8, 2010 at 10:00am EDT
link
Email Campaign #2: Sent reminder Wednesday, September
email #1 with activation link 15, 2010 at 2:30pm EDT
Email Campaign #2: Sent reminder Wednesday, September
email #2 with activation link 22, 2010 at 2:30pm EDT

Page 8
How to Improve Outcomes

There are a several things your can do to help improve

participant outcomes and further reduce your fiduciary liability.
Here are some ideas:

 Schedule a webinar
Set a date with the plan advisor and the support team
from Boulevard R to run a 10 minute web-based demo
(webinar) to plan participants where they'll see how the
software works and have a chance to ask questions.

During the demo, participants will be emailed a unique

activation link that will take them into the goal setting
process. From there, they can reach the Dashboard
and adjust their monthly pay period deferral amount
(auto-deferral), request the advisor contacts them and
review the 404(c) disclosures

 Run an email campaign

For those participants who have not yet started on the
interactive goal setting process, send them another set
of three emails (a longer descriptive email and two
shorter reminder emails) invitation encouraging them to
take action. Each email includes a unique activation
link.

 Have your plan advisor give a presentation

Invite your plan advisor to give a presentation to
participants where they can demonstrate how the
Retiremap software works. We can schedule an email
campaign to coincide with the presentation.

 Use the tablet app Feature in development

Boulevard R is developing an application that can run on
a tablet, such as an iPad, that will allow participants to
quickly find out if they are on track and get a Starter
Roadmap. This app can be used in participant meetings
and even dropped off at participants' desks, bringing
plan education directly to them.

Page 9