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Plan Sponsor Name

Performance Report On Plan Education Efforts
Prepared for Plan Sponsor Name by Plan Advisor Firm For the Period Starting October 1, 2010 and ending September 30, 2011

Plan Advisor Firm Work Street Work City, Work State Work ZIP Work Email Work URL

T Work Phone F Work Fax Phone

Plan Sponsor Name

Table of Contents
Performance Summary
Key Usage Metrics

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Impacts On Plan Outcomes
Changes to Savings Behavior Increase In Enrollment Employee Requests for More Information

Retirement Readiness
Distribution of Employee Retirement Readiness Assumptions Used to Calculate Employee Retirement Readiness

Usage Metrics
What Did Employees Do? Top Financials Goals

Engagement Activity
Educational Campaign Details Ideas To Further Improve Outcomes

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Performance Summary
Key Usage Metrics
Of the 100 employees that were targeted for the plan education campaign, these are the results to date:

7%

23%

70%

Completed the Goal Setting Process and Received a Starter Roadmap Started the Goal Setting Process But Did Not Complete It Did Not Start The Goal Setting Process

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Impacts On Plan Outcomes
Changes to Savings Behavior
As a result of the plan education campaign conducted by Advisor Firm, a significant percentage of employees who completed the goal setting process requested to increase the amount that is automatically saved through their retirement plan by automatic paycheck deductions (autodeferral).

46%

54%

Particpants Who Requested to Increase their Auto-Deferral Rate Particpants Who Did Not Request to Increase their Auto-Deferral Rate

The average auto-deferral increase request was 5.1% of pay, above what they may have already been deferring. As a result of the education campaign, those participants who requested to save more boosted their savings rate on average by 89%.

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Here is the change in participant savings behavior before and after the education campaign:

9% 6.75% 4.5% 2.25% 0%

8.5% 5.7% 4.8%

Average Participant Auto-Deferral Rate Before the Campaign Average Participant Auto-Deferral Rate After the Campaign Average Participant Auto-Deferral Rate (Industry Wide)

Increase In Enrollment
As a result of the plan education campaign, a number of non-enrolled employees requested to start saving through the company retirement plan. Of the nine non-enrolled employees who completed the goal setting process, this is the breakdown:

4

5

Non-Enrolled Employees Who Requested to Start Saving Through the Plan Non-Enrolled Employees Who Did Not Request to Start Saving Through the Plan

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Employee Requests for More Information
During the goal setting process, employees have the opportunity to request to be contact by the plan advisor or admin and provide a contact number as well as the best time of day to call.

0

14

28

42

56

70

Employees

9 61

Employees Who Requested To Be Contacted Employees Who Did Not Request To Be Contacted

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Retirement Readiness
Distribution of Employee Retirement Readiness
As a result of the new education campaign, we can now track the distribution of employees’ retirement readiness. This is how it broke down, by number of participants in each readiness scoring section (100 is the most prepared and 0 is the least prepared for retirement) for the period covered by the report:

70 52.5 35 17.5 0

21 16 11 22
Q4 2010

21

23

24

17 12 20
Q1 2011

18 13 16
Q2 2011

20 11 15
Q3 2011

Scored 75 or Greater (Most Prepared for Retirement) Scored 50 - Less Than 75 Scored 25- Less Than 50 Scored 25 or Less (Least Prepared for Retirement)

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Assumptions Used to Calculate Employee Retirement Readiness
The following assumptions were used to calculate retirement readiness: • Inflation Rate: 2.5% • 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: 85% 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%

Performance Report on Plan Education Efforts

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Plan Sponsor Name

Usage Metrics
What Did Employees Do?
The following data illustrates the actual number of participants who engaged in our educational campaign and what they did.

80 60 40 20 0

77

70 38 42 9 21

Started The Goals Setting Process Completed The Goal Setting Process and Received a Starter Roadmap Increased Their Auto-Deferral Rate Requested Information on Auto-Escalation Requested To Be Contacted By the Plan Advisor or Admin Reviewed the 404(c) Disclosures

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Plan Sponsor Name

Top Financials Goals
Of the short term financial goals that participants selected and placed on the timeline, here are the top ten: 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%)

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Plan Sponsor Name

Engagement Activity
Educational Campaign Details
In order to engage participants, the following activities were conducted by the Advisory Firm:
Activity Date

Advisor webinar for all plan participants Email Campaign #1: Sent introductory email with activation link Email Campaign #1: Sent reminder email #1 with activation link Email Campaign #1: Sent reminder email #2 with activation link Advisor small group meetings with iPads at the Home Office Email Campaign #2: Sent introductory email with activation link Email Campaign #2: Sent reminder email #1 with activation link Email Campaign #2: Sent reminder email #2 with activation link

October 26, 2010 at 2pm ET October 26, 2010 at 2pm ET November 2, 2010 at 2pm ET November 9, 2010 at 2pm ET April 6, 2011 from 10:00am-12:00pm July 13, 2011 at 10am ET July 20, 2011 at 2:30pm ET July 27, 2011 at 2:30pm ET

Ideas To Further Improve Outcomes
Here are few ideas to help you better prepare employees for a secure retirement: • Do another webinar targeting employees not at the Home Office • Purchase an iPad for the express purpose of helping employees at the Home Office go through the goal setting process (can be paid for out of your ERISA account) and keeping their goals and financial profile up-to-date. Consider having someone from HR deliver the iPad to the employees who have not yet engaged. • Reward participants who have scored 75 or greater in Retirement Readiness, by letting them spend one hour of work time “practicing retirement” on a hammock.

Performance Report on Plan Education Efforts

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