Solutions Inc.

Cheryl Simoncelli

401(k) Plan
Administrative Review & Planning Meeting November 24, 2009

Account Executive 847-346-6752 cheryl.simoncelli@divinvest.com

Agenda

• Plan Summary • Administrative Update • Upcoming Events 2010 • Participant Education

2

Thank You

We appreciate your business and strive to meet all of your retirement plan needs We look forward to meeting your ongoing needs and continuing in our role as your provider of choice

Your satisfaction is my top priority!

3

Ongoing Plan Administration

4

Plan Summary
Snapshot as of 10/31/09
Participants Amount

 Total Plan
– Employees – Deferred*

9,386
6,128 3,258

$ 198,298,877.91
$ $ 196,510,867.26 1,788,010.65

 Participation Rate
– Eligible Participants – Contributing

85.39%
7,048 6,018

 Assets by Classification:
– Equity – Bond – Cash = = = 42.22% 8.87% 10.48% = 1.97% 36.47%

1.97%

36.47% 42.22%

– Company Stock – Loans =

Equity Bond Cash Company Stock Loans

8.87% 10.48%
*Deferred includes retirees and other terminated employees and their beneficiaries.

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Plan Summary
Asset Allocation as of 10/31/09 Investment Mid Cap Income & Growth Real Estate Strategic Alloc-Aggressive Strategic AllocConservative Strategic Alloc-Moderate LC Growth LC Value LC International Core Bond Stable Value Small Cap Core Company Stock Loan Total Balance Amount $17,560,041.06 $6,649,729.26 $7,047,437.84 $1,962,390.63 $31,069,937.62 $6,870,091.82 $6,266,904.49 $12,790,350.90 $5,970,725.26 $17,021,919.01 $8,874,632.78 $72,311,425.82 $3,904,384.34 $198,299,970.83 Percent of Total 8.86% 3.35% 3.55% .99% 15.67% 3.46% 3.16% 6.45% 3.01% 8.58% 4.48% 36.47% 1.97% 100% Participants 1,394 1,108 1,138 480 8,173 994 850 1,382 970 964 1,176 2,456 425

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Number of Funds per Participant
As of 10/31/09
Participants

6,000

5,568

4,000

1,469 2,000 546 512 0 1 2 3 4 5 6 7 8 9 10 11 12 417 277 193 139 92 61 75

35
Funds

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Number of Funds per Participant
Funds the single-fund participants are invested in as of 10/31/09
Participants 6,000 5,293

4,000

2,000 18 0
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Funds

Strategic Allocation Moderate is the Default Fund for the Solutions Inc. Plan 8

Participation
Participants by Employee Contribution Percentage as of 10/31/09

5,000
4,017

4,000

3,000

2,000
87 747

1,000
70 109 225 240 9068 14 3 26 5 28 10 9 7736 6 9 2 52 2 4 4 1 4 1 1 13 2 2 2 5 1 2 1 11 1 1 1 1 3 5 2 18

0

... % 90 % 75 % 70 % 65 % 58 % 56 % 55 % 50 % 46 % 40 % 38 % 35 % 33 % 32 % 31 % 30 % 29 % 28 % 27 % 26 % 25 % 24 % 23 % 22 % 21 % 20 % 19 % 18 % 17 % 16 % 15 % 14 % 13 % 12 % 11 % 10 9% 8% 7% 6% 5% 4% 3% 2% 1%

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Call Center & Website
Contacts 1/1/2009 – 10/31/2009  Total calls to Automatic Voice System = 731  Total calls to representatives = 8,347  Total logins to participant website = 50,326  Unique web users = 7,750
60,000 50,000 40,000 30,000 20,000 10,000 0 731 8,347 50,326

AVS

Reps

Web

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Participation
Participation by Age as of 10/31/2009

100% 90% 80%

89.97%

84.17%

84.90%

86.09%

81.82%

66.67% 70% 60% 50% 40% 30% 20% 10% 0% 20-29 30 - 39 40 - 49 50 - 59 60 - 69 70 +

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Administrative Update

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Industry problem
Know

People do not understand their role and what they need to achieve the retirement of their dreams.

Save

People do not participate in their employer’s savings plan and if so, they do not save enough.

Invest

People do not invest appropriately given their individual time horizons.

Spend

People spend their retirement resources prematurely.

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Your Objectives- Our Solutions
Investments  Solutions Inc. seeks high quality, top performing mutual funds that cover the risk/return spectrum Solutions Inc. also requests a vendor with a large fund alliance program  Diversified Investment Advisors offer a comprehensive line up to meet the needs of each participant. We have a unique offering of institutional funds, providing fiduciaries with a seamless array of investments across all asset classes.

Participant Communication/Education  Solutions Inc. desires a robust communication campaign, including written communications, interactive internet access and available education.

 Our Plan of a Lifetime strategies helps participants reach
their retirement goals so that they know when they will be able to retire. Our Retirement Plan Education Specialists are available to meet the needs of your participants. Our On Track Reports help participant’s attain their retirement goals.

Recordkeeping  Solutions Inc. wants efficient systems, updated technology and work processes that produce cost effective proven results.  One key reason our service is so responsive is that our technology is so advanced. Because we develop and maintain a proprietary administration system, we can update it quickly to reflect industry wide regulatory changes or individual plan enhancements as they become effective.  We offer competitive fees and review the needs of our clients to proactively maintain costs  Our in-house specialists continuously monitor legislative actions to identify changes that could impact your plan. They explain changes simply and help you implement them easily.

Fees  Solutions, Inc. wants to keep fee costs to a minimum.

Compliance  Solutions, Inc. desires accurate and timely services to meet all applicable regulatory requirements related to the operations of their plans.

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Moving the Solutions Inc. 401(k) Plan to Your Plan of a Lifetime…
2010 and beyond….
    Auto Enrollment- Increase auto deferral rate Auto Increase- Implement in July Fund Changes- add Target Funds Enhanced education and communications strategy

Recommendations…
Plan Design & Fund Changes 2nd quarter 2010 Education Campaign Active monitoring of plan performance Plan Summary/Compliance Scheduled Reviews Update Investment Policy Statement Managed Accounts Administrative & Scope of Services Review Project management of day to day operations by implementing bi-weekly calls Implement calendar of events Audit Procedures Payroll Feed file review

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The Role of the Retirement Plan Education Specialist The Retirement Plan Education Specialist helps participants to:
 Understand the plan of Solutions Inc.  Understand the importance of preparing for retirement through our Plan of a Lifetime strategies  Understand their 401(k) investment line-up  Understand their options concerning certain plan provisions:
– Rollovers – Loans – Distributions

 Understand asset allocation and the importance of a diversified portfolio  Set up and update their 401(k) account online  Understand communications for plan design, fund changes and regulatory mandates On Track Participant Reporting

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