Pentegra_Resources_Web

RESOURCESPENTEGRA ADVISOR

Participant Education ToolsENROLLMENT & TARGETED COMMUNICATION MATERIALS

Educating employees is central to the success of any retirement program. Our comprehensive education materials provide you with tools you’ll need to help participants understand the financial challenge that retirement represents and how they can best maximize their retirement plans to help them meet that challenge.

In addition to our enrollment kit, Pentegra offers targeted, personalized employee communications that encourage participants to take action and meet specific retirement goals. These individual communications are based on participant data—and include materials targeted toward newly eligible participants, increasing contributions, asset allocation, automatic enrollment, gap analysis and distribution options.

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.

2 Pentegra Retirement Services

PARTICIPANT NEWSLETTERS

Pentegra also offers a robust library of participant newsletters.

Participant Education Tools

Comprehensive retirement plan solutions.

That’s an advantage.


Participant Education ToolsBUILDING BLOCKS EDUCATION SERIES

Pentegra’s Building Blocks education series are designed to offeradvisors with smart ways to help get your message across.

ONLINE RESOURCE CENTER

Pentegra’s Online Resource Center uses engaging flash animation, in-depth educational content to take participants through the different stages of retirement planning, based on their age and proximity to retirement. These self-motivating interactive modules, designed to work in tandem with our targeted communications, explain and reinforce important financial concepts in smart, engaging and informative ways.

Participant Education Tools


Plan Management ToolsPENTEGRA PARTNER ONLINE

We tailor our relationship to meet your preferences—and partner with you to offer the services and tools you need to build the business you want. That’s why we offer plan reporting tools designed to help make managing the details of your retirement business easy, with fully branded and customized web capabilities.

Pentegra Partner OnLine delivers advanced plan management and reporting tools, making it easy to manage your block of retirement plan business with access secure plan-level information and reporting at your convenience. We’ll work with you to determine the flexible reporting parameters you need.

Pentegra Partner Online delivers a single source for accessing information on your total book of business, with transaction detail, demographic information, and reporting capabilities at the global, plan and participant level.• View by plan, by participant, or entire book of business• Easy access to recordkeeping and trust information• Downloadable and fully customized reporting capabilities• Detailed investment information by fund, asset value and daily price

Plan Management Tools


Plan Management ToolsAt the Plan Sponsor level, Pentegra OnLine provides access to:

• Plan level data and activity by fund, transaction, or participant for any given time period• Plan level reports, including:• Plan Activity by fund, participant, transaction date or transaction type• Consolidated Activity Report (plan level summary)• Consolidated Activity Report by participant• Contribution Control Register• Plan transaction history • Employee election data• Employee deferral data• Employee demographic data• Plan Snapshot• Plan Participants• Plan Provisions• Participant census information• Plan demographic information• Plan investment allocations • Daily investment performance information• Online enrollment

Pentegra OnLine also provides participants with account access, retirement planning education tools, and detailed investment information.

The participant website offers the following features:• Account information by source and by fund• Historical account activity• Full transaction capabilities 24/7, including:• Allocation changes • Loan modeling• Fund transfers • Loan initiation and processing• Account rebalancing • Loan balance and payoff amount• Online Enrollment • Investment performance• Account activity • PIN changes• Current account balance • Contribution rate changes• Investment allocation changes • Distributions• Daily fund performance information

• Monthly and historical fund performance• Historical statement information• Account projection tools• Retirement planning tools• Retirement education • Plan announcements and rules• Plan review and analysis of features and investments comparative to industry average• Administrative manual and plan forms• Summary Plan Description (SPD)• Participant enrollment and education materials• Legislative and regulatory updates • Newsletters and other educational material for sponsors• Plan compliance reports and tools• Current and historical fund performance




ANNUAL PLAN REVIEW

Our Annual Plan Review provides you the tools to deliver a comprehensive review of your client’s retirement programs, providing detailed plan demographic reporting features, and investment and asset allocation review and analysis. We’re dedicated to helping you work with your clients to meet changing benefit and cost objectives. • Current account balance • Contribution rate changes

Pentegra is dedicated to keeping you and your clients abreast of industry developments and issues that impact retirement programs. Our team is comprised of highly skilled benefits professionals, including in-house ERISA attorneys, actuaries, investment professionals, retirement and compliance specialists who are knowledgeable, experienced and trained to handle the complex issues surrounding your client’s retirement programs. 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.

Plan Management ToolsRETIREMENT ADVANTADGE

Our Retirement Advantedge Regulatory and Technical updates provide guidance and support with respect to regulatory and legislative issues

YOUR ADVANTAGE

Pentegra provides periodic updates through our e-newsletter, Your Advantage, including key issues affecting the retirement plan industry as well as communications regarding new product features and services.

RETIREMENT PLAN NEWS AND THE EMPLOYEE BENEFIT FORUM

Retirement Plan News and The Employee Benefit Forum are newsletters designed to provide you with valuable insights about retirement plan news and issues that impact your retirement program and to help keep you abreast of industry developments and related retirement plan issues.


Financial CalculatorsGUIDANCE PLUSEveryone’s financial situation, time horizon and risk tolerance are different. Our Guidance Plus investment education tools are designed to help participants define their personal investment strategy. 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 recommendations, along with a personalized action plan based on each individual’s unique situation.

Participants can choose among account modeling tools, a risk assessment tool, paycheck calculator, college planner, loan calculators and asset allocation modules.

MANAGE YOUR 401(K) ON YOUR IPHONE OR ANDROIDPentegra offers 401(k) participants the ability to manage your accounts on your Android or iPhone smartphone. This free app is available today. The app provides participants with the ability to view account balances, transaction history, and portfolio performance.

401(k) SAVINGS CALCULATOR A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 401(k) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you cannot afford to pass up.

403(b) SAVINGS CALCULATOR 403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) Corps, including colleges, universities, schools, hospitals, etc. If you are an employee of one of these organizations, a 403(b) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 403(b) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 403(b) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you cannot afford to pass up.

ASSET ALLOCATOR The asset allocation is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio. Click on the “View Report” button for a detailed look at your results.

Financial Calculators

Financial CalculatorsNET WORTH CALCULATOR Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you will have a positive net worth. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next ten years.

RETIREMENT INCOME CALCULATOR Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement’s monthly income. View the full report to see a year-by-year break down of your retirement savings.

RETIREMENT PENSION PLANNER Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calcu-lated on a sliding scale based on your income. Including a non-working spouse in your plan increases your social security benefits up to, but not over, the maximum.

RETIREMENT SHORTFALL CALCULATOR One of the biggest risks to a comfortable retirement is running out of money too soon. This calculator helps you determine your projected shortfall or surplus at retirement. You can also see just how long your current retirement savings will last. If your results project a shortfall, you might need to save more, earn a better rate of return, or possibly delay your retirement.

SOCIAL SECURITY BENEFITS Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.


Financial Calculators

The Sales Support Advantage

We offer complete sales support for you—from prospecting tools to point of sale support with a Regional Director who partners with you to provide ongoing assistance. Our custom-designed proposals and sales presentations are branded with your identity and developed specifically for your prospective clients. We’ll work with you as a true partner, and deliver the dedicated resourc-es to help you build your retirement practice.

SALES SUPPORT SERVICES

Dedicated Regional Director to partner with you from prospecting to point of saleProspecting ToolsCustomized ProposalsDedicated Relationship Management TeamPentegra Partner Online Customized Website Plan Sponsor Tools Participant Education ToolsToll Free Customer Service Center

LEARN MORE ABOUT HOW WE CAN PARTNER WITH YOU TO BUILD YOUR RETIREMENT PRACTICE. LINK TO EMAIL [email protected].


The Sales Support Advantage

Direct Mail Campaign


CUSTOMIZE POSTCARDSAt Pentegra, we want to help you make the most of every opportunity that presents itself. We pride ourselves in how we use our market expertise to create successful marketing materials.

Pentegra offers our advisors the ability to take our cohesive direct mail campaign and customize it for their own use. Our “consider this” campaign will resonate with your clients and will help turn an opportunity into a success story.

Direct Mail Campaign

Industry Surveys & Benchmarking Data

PSCA 2010 53rd Annual Survey for Profit Sharing and 401(k) Plans

PSCA 2010 403(b) Plan Survey

2010 401(k) Averages Book

IOMAS Annual Defined Contribution Plan Report

Benchmarks for 401(k) Plans


Industry Surveys & Benchmarking Data

Industry Resources & InformationAmerican Society of Pension Professionals & Actuaries (ASPPA)ASPPA.orgASPPA—the American Society of Pension Professionals & Actuaries—is the premier national organization for over 7,500 retirement plan professionals. ASPPA serves as an educator, voice and advocate for the nation’s retirement system and for retirement policy.

Center for Due Diligence (CFDD)thecfdd.comThe Center for Due Diligence provides information and strategic services for retirement plan advisors

Defined Contribution Institutional Investment AssociationDCIIA.orgDCIIA fosters a dialogue among the leaders of the defined contribution community who are passionate about improving defined contribution plan design. Members include investment managers, consultants, record keepers, insurance companies, plan sponsors and others committed to the best interests of plan participants.

Employee Benefits Research Institute (EBRI) EBRI.orgEBRI is an independent, nonprofit, and nonpartisan organization. It analyzes and reports research data without spin or underlying agenda. All findings, whether on financial data, options, or trends, are revealing and reliable—the reason EBRI information is the gold standard for private analysts and decision makers, government policymakers, the media, and the public.

Free ERISAFreeERISA.comFreeERISA.com provides free access to Department of Labor Form 5500 disclosure filings on more than 1 million retirement and health benefits plans.

International Foundation of Employee Benefit PlansIFEBP.orgThe International Foundation of Employee Benefit Plans is a nonprofit organization, dedicated to being a leading objective and independent global source of employee benefits, compensation and financial literacy education and information.


Industry Resources & InformationInternal Revenue ServiceIRS.govTax and regulatory information for the retirement plan industry.

Larkspur Data Resourceslarkspurdata.comLarkspur Data Resources offers in-depth information on the entire 401(k) and retirement plan market.

Pension and Investments pionline.comPensions & Investments delivers news, research and analysis to the executives who manage the flow of funds in the institutional investment market.

Plan AdviserPlanadviser.comPlan Sponsor is an industry resource for advisors and consultants in the retirement plan industry, offering news, ar-ticles, and information on practice management and business development.

Plan Sponsorplansponsor.comPlan Sponsor is an industry resource for information about the retirement plan industry for plan sponsors providers and advisors.

Social Security AdministrationSocialsecurity.gov Obtain estimates of Social Security retirement benefits

Society of Professional Asset-Managers and Record Keepers (SPARK)SPARKinstitute.orgSPARK is the nation’s foremost retirement plan industry trade association and is the leading voice in Washington for the retirement plan services industry, developing and promoting practical and balanced solutions on critical issues that impact plan sponsors, participants, and service providers.

Learn how our specialized approach can help you deliver distinct retirement plan solutions that are

as unique as your clients.

For more information, contact us at 800-872-3473, or visit us at www.pentegra.com

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