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2016 Pensionmark Overview
For years, the world of retirement
has been a static, intimidating, and
confusing one.
At Pensionmark, we believe
there’s a better way.
TABLEOFCONTENTS
HOW WE HELP
OUR CLIENTS
PROVIDER
ANALYSIS
NEXT
STEPS
HOW WE HELP OUR CLIENTS
AT THE
CENTER
OF IT ALL
As the intermediary
between the employer
and service providers,
our mission is to
provide unparalleled
service that exceeds
our client’s needs.
2016 Pensionmark Overview
Pensionmark is that same powerful force.
We’re committed to being here when you need
us. You should never go to flip your light
switch and wonder if your retirement plan is
being powered.
RELIABLE NETWORK OF EXPERTS
Our diverse network of specialized advisors is like a vast network of
circuits and wiring, all interconnected and working together to provide the
specific outlet of support when and where you need it.
2016 Pensionmark Overview
For millions of Americans, the burden
of understanding how to plan for
retirement is that irritating little rock.
The uncertainty of not knowing what
the future will hold can poke and pry
at your every step, leaving you
uncertain about how put your next
foot forward.
You work hard enough.
As you manage the
complexities of your
retirement plan, we
believe every step
should be as simple
and painless as
possible.
FIDUCIARY SUPPORT
Adhering to Plan Document Provisions
Investment Strategy Implementation and Monitoring
Regulatory Compliance
Monitoring Service Providers
Cost Management
The Pensionmark Document
Vault provides enterprise level
document storage for important
plan related materials.
VAULT HIGHLIGHTS
• Fiduciary Documents
• Financial Wellness/
Participant Education
• Investment Reporting
• And more
Truly innovative thinking relies on challenging the status quo and rethinking
how things have always been done. It’s about creating a new plan altogether.
HISTORY BOOKS ARE NOT INSTRUCTION
MANUALS.
We’re constantly looking for ways to improve not only the
services we offer our clients, but also our own processes.
We know that while history has valuable lessons to teach
us, we believe the most impactful ideas will come from
new books that have yet to be written.
2016 Pensionmark Overview
It’s never too late to go back to the classroom.
We focus on educating you and your employees
about how your retirement plan works. Simply
put, we’ll make this stuff make sense.
FINANCIAL WELLNESS PROGRAM
Our Financial Wellness
Program is focused on
helping your employees
be retirement ready.
PERSONAL FINANCIAL PORTAL
Through our Personal Financial Portal, we bring your whole financial world to your
fingertips. In one simple and secure location, your employees can monitor every
financial detail of their lives, allowing them to make smarter decisions faster.
PERSONAL FINANCIAL PORTAL
Our bilingual specialists
are available Monday -
Friday from 7:00am -
7:00pm to ensure your
employees can find the
answers they need,
when they need them.
RETIRE CONNECT
PROGRAM
ONE-ON-ONE EMPLOYEE
CONSULTATIONS
Personalized attention
EDUCATIONAL
WEBINARS
GROUP
EDUCATIONAL
SEMINARS
SOCIAL MEDIA
& ONLINE
EDUCATION
CENTER
ONE SIZE DOES
NOT FIT ALL…
ASSESSING PLAN HEALTH
Through our Proprietary Plan
Health Analysis, we’ll take
stock of your circumstances,
goals and demographics to
determine how your plan is
performing.
PLAN DESIGN
OPTIMIZATION
Increase Employee Participation
and Deferral Levels
Maximize Employer Plan
Contribution Deduction Limits
PLAN DESIGN OPTIMIZATION
RETHINKING INVESTMENTS
It’s not just about investment performance, but appropriateness,
reducing volatility and consistency of performance.
RETHINKING INVESTMENTS
31
Less Volatile Performance Value: $213,038 (8% Average Return)1
More Volatile Performance Value: $190,000 (8% Average Return)1
Source: Putnam Investments. 8% return is average of yearly returns over the 10 year period. This example is for illustration purposes only and
does not reflect performance of any particular investment vehicle.
SAMPLE GROWTH OF $100,000 INITIAL INVESTMENT OVER 10 YEARS.
Investment
Style**
Style Drift
(Holdings)
Style Drift
(Returns)
Risk/Return
Performance
1 Year Return
3 Year Return
5 Year Return
5 Year Up/Down
Capture
Risk/Risk
Adjusted Return
5 Year Information
Ratio
3 Year Information
Ratio
5 Year Beta
3 Year Beta
Qualitative
Factors
Manager Tenure
Net Expense Ratio
HOW INVESTMENTS ARE SCORED
** Five years, or longest timeframe if track record is less than five years. Track Record indicates the number of years a fund has been in existence. A net expense ratio reflects the actual expenses that have been paid by the
fund and reflects any voluntary waivers, reductions from brokerage service arrangements and any other expense offset arrangements
NotPassingPassing
Scoring
Threshold
7
Investments are scored in a 12 point format, 17% toward style consistency, 33% toward
performance, 33% toward risk/return measures and 17% toward qualitative factors.
2016 Pensionmark Overview
PROVIDER ANALYSIS
2015 Pensionmark 401(k) RFI
PROVIDER EXECUTIVE
SUMMARY
PROVIDER EXECUTIVE SUMMARY
COST DIFFERENCE
(AS A % OF ASSETS)
COST DIFFERENCE
(AS A DOLLAR AMOUNT)QUALITATIVE SCORE TOTAL PLAN COST
8.2 0.68% -0.08% -$4,580
7.9 0.85% 0.09% $5,153
7.7 0.76% 0.00%
6.9 0.87% 0.11% $6,298
6.4 0.72% -0.04% -$2,290
 Represents Current Provider
Assumptions: Total Plan Assets: $5,600,000; Participant Balances: 100; Annual Distributions: $100,000; Annual Contributions: $350,000
$0
HOW THEY SCORED
8.20
7.90 7.70
6.9
6.4
6.1
0.68%
0.85%
0.76%
0.87%
0.72%
0.53%
0%
0.1%
0.2%
0.3%
0.4%
0.5%
0.6%
0.7%
0.8%
0.9%
1%
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
9.00
10.00
Empower Retirement (Great
West)
MassMutual Financial Group Voya (formerly ING) Principal Financial Group OneAmerica Ascensus
Qualitative Score Total Plan Cost
Note: Weighted qualitative scores are ranked from high (left) to low (right).
QUALITATIVE ANALYSIS
2015 Pensionmark 401(k) RFI
CRITERIA
Plan Sponsor Support
Technology
Fiduciary Services
Participant Experience
Investment Flexibility
QUALITATIVE SCORING BREAKDOWN
WEIGHTED QUALITATIVE SCORE INVESTMENT FLEXIBILITY PLAN SPONSOR SUPPORT TECHNOLOGY FIDUCIARY SUPPORTPARTICIPANT EXPERIENCE
Client Preferences 5 9 9 710
9.5 7.7 7.8 7.28.08.2
8.2 8.0 7.5 8.07.97.9
7.0 8.0 8.0 7.58.07.7
6.7 7.5 6.4 7.76.86.9
6.0 7.3 5.8 6.07.26.4
INVESTMENT FLEXIBILITY
14.29
PLAN SPONSOR SUPPORT
12.86
TECHNOLOGY
11.43
FIDUCIARY SUPPORT
12.86
PARTICIPANT EXPERIENCE
11.43
PROVIDER QUALITATIVE DETAIL
QUALITATIVE SCORE
62.86
Investment Flexibility
Securian offers a unique approach to choosing the investment lineup that stresses lowest-
cost share classes. While their philosophy is nice for plans that favor a low-cost lineup, it
is difficult to accommodate plans that desire full open architecture.
Plan Sponsor Support
Securian tends to be right in line with industry peers in terms of Plan Sponsor Support. A
dedicated contact comes standard to any plan, and several process are in place to help
the Plan Sponsor navigate the needs of the retirement plan efficiently.
Technology
Securian's participant and plan sponsor websites are robust and offer several tools and
calculators to help the employer and employees make sound financial decisions.
Fiduciary Support
Securian tends to score low/average with Fiduciary Support.
Participant Experience
Participant Experience is a high point for Securian, who can customize several different
programs to address the needs of participants.
COST BREAKDOWN:
2015 Pensionmark 401(k) RFI
 Represents Current Provider. Costs are in order of lowest to highest.
1. Assumptions: Total Plan Assets: $5,600,000; Participant Balances: 100; Annual Distributions: $100,000; Annual Contributions: $350,000
PROVIDER COST COMPARISON1
43 | Page
COST DIFFERENTIAL
(AS A % OF ASSETS)
COST
DIFFERENTIAL
TOTAL PLAN COST
(AS A % OF ASSETS)
COST PER
PARTICIPANT
EMPLOYER PAID
COSTS
0.53% -0.23% -$13,047.5 $305 0.00%
0.68% -0.08% -$4,580 $389 0.00%
0.72% -0.04% -$2,290 $412 0.00%
0.76% 0.00% $0 $435 0.00%
0.85% 0.09% $5,152.5 $487 0.00%
PROVIDER COST DETAIL
4444 | Page
0.53% TOTAL COST DIFFERENCE:
This value represents the percentage cost difference between this proposal and the total
current estimated plan costs. Expressed as a dollar amount this equates to: -$13,048
The sum of all estimated plan costs including the administration, record-keeping, advisory, fiduciary,
consulting, financial wellness and investment expenses. This fee does not include transactional
expenses such as loans or distributions (detailed on separate slide). Expressed as a dollar amount
this equates to $30,463.
AVERAGE COST DIFFERENCE PER PARTICIPANT: -$177
TOTAL PLAN COST
The estimated asset based charge that will be assessed against plan
assets. Expressed as a dollar amount this equates to $.
CONTRACT ASSET CHARGE: %
EMPLOYER PAID COST:
The total of all employer paid costs (if any). Expressed as a dollar
amount this equates to $4,700.00.
0.08%
WEIGHTED INVESTMENT COST:
The estimated weighted investment expenses based on proposed
participant allocations. Expressed as a dollar amount this equates to
$27,480.
0.48%
-0.23%
ADMINISTRATION & RECORDKEEPING SERVICES:
The revenue requirement to perform the Plan Administrative (0.00%)
and Record-keeping (0.08%) functions.
PENSIONMARK SERVICES:
The revenue requirement to perform the Fiduciary Support/Plan
Consulting services (0.00%), Investment services (0.00%), and
Employee Financial Wellness Program (0.00%).
COST BREAKDOWN
0.08%
0.00%
HOW ARE THESE COSTS ASSESSED?
INVESTMENT MANAGEMENT:
The cost of investment management services, net of (0.03%) revenue
used to offset plan expenses.
0.45%
NEXT STEPS
WE BELIEVE
Make no mistake, we’d love to do business with you.
But we see things a certain way, and we want to work
with those who believe what we believe.
WE BELIEVE
If you’re tired of the burden of retirement planning
affecting your every step, we can help you and your
employees alleviate it.
WE BELIEVE
If you believe the road to changing the landscape of
retirement planning begins with more educated
employees, that’s exactly what we’re here to do.
WE BELIEVE
If you believe one size doesn’t fit all, we’ll help you
design the plan that’s suits you perfectly.
WE BELIEVE
If you’re ready to challenge the status quo of
retirement planning and think about things
differently, let’s get there together.
WE BELIEVE
If you believe true customer service means making
help available around the clock, we’re standing by.
WE BELIEVE
If in the grand scheme of retirement planning,
you believe there’s a better way, we do too. Let
us help you get there.
2016 Pensionmark Overview

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2016 Pensionmark Overview

  • 2. For years, the world of retirement has been a static, intimidating, and confusing one. At Pensionmark, we believe there’s a better way.
  • 3. TABLEOFCONTENTS HOW WE HELP OUR CLIENTS PROVIDER ANALYSIS NEXT STEPS
  • 4. HOW WE HELP OUR CLIENTS
  • 5. AT THE CENTER OF IT ALL As the intermediary between the employer and service providers, our mission is to provide unparalleled service that exceeds our client’s needs.
  • 7. Pensionmark is that same powerful force. We’re committed to being here when you need us. You should never go to flip your light switch and wonder if your retirement plan is being powered.
  • 8. RELIABLE NETWORK OF EXPERTS Our diverse network of specialized advisors is like a vast network of circuits and wiring, all interconnected and working together to provide the specific outlet of support when and where you need it.
  • 10. For millions of Americans, the burden of understanding how to plan for retirement is that irritating little rock. The uncertainty of not knowing what the future will hold can poke and pry at your every step, leaving you uncertain about how put your next foot forward.
  • 11. You work hard enough. As you manage the complexities of your retirement plan, we believe every step should be as simple and painless as possible.
  • 12. FIDUCIARY SUPPORT Adhering to Plan Document Provisions Investment Strategy Implementation and Monitoring Regulatory Compliance Monitoring Service Providers Cost Management
  • 13. The Pensionmark Document Vault provides enterprise level document storage for important plan related materials. VAULT HIGHLIGHTS • Fiduciary Documents • Financial Wellness/ Participant Education • Investment Reporting • And more
  • 14. Truly innovative thinking relies on challenging the status quo and rethinking how things have always been done. It’s about creating a new plan altogether.
  • 15. HISTORY BOOKS ARE NOT INSTRUCTION MANUALS. We’re constantly looking for ways to improve not only the services we offer our clients, but also our own processes. We know that while history has valuable lessons to teach us, we believe the most impactful ideas will come from new books that have yet to be written.
  • 17. It’s never too late to go back to the classroom. We focus on educating you and your employees about how your retirement plan works. Simply put, we’ll make this stuff make sense.
  • 18. FINANCIAL WELLNESS PROGRAM Our Financial Wellness Program is focused on helping your employees be retirement ready.
  • 19. PERSONAL FINANCIAL PORTAL Through our Personal Financial Portal, we bring your whole financial world to your fingertips. In one simple and secure location, your employees can monitor every financial detail of their lives, allowing them to make smarter decisions faster.
  • 21. Our bilingual specialists are available Monday - Friday from 7:00am - 7:00pm to ensure your employees can find the answers they need, when they need them.
  • 27. ONE SIZE DOES NOT FIT ALL…
  • 28. ASSESSING PLAN HEALTH Through our Proprietary Plan Health Analysis, we’ll take stock of your circumstances, goals and demographics to determine how your plan is performing.
  • 29. PLAN DESIGN OPTIMIZATION Increase Employee Participation and Deferral Levels Maximize Employer Plan Contribution Deduction Limits PLAN DESIGN OPTIMIZATION
  • 30. RETHINKING INVESTMENTS It’s not just about investment performance, but appropriateness, reducing volatility and consistency of performance.
  • 31. RETHINKING INVESTMENTS 31 Less Volatile Performance Value: $213,038 (8% Average Return)1 More Volatile Performance Value: $190,000 (8% Average Return)1 Source: Putnam Investments. 8% return is average of yearly returns over the 10 year period. This example is for illustration purposes only and does not reflect performance of any particular investment vehicle. SAMPLE GROWTH OF $100,000 INITIAL INVESTMENT OVER 10 YEARS.
  • 32. Investment Style** Style Drift (Holdings) Style Drift (Returns) Risk/Return Performance 1 Year Return 3 Year Return 5 Year Return 5 Year Up/Down Capture Risk/Risk Adjusted Return 5 Year Information Ratio 3 Year Information Ratio 5 Year Beta 3 Year Beta Qualitative Factors Manager Tenure Net Expense Ratio HOW INVESTMENTS ARE SCORED ** Five years, or longest timeframe if track record is less than five years. Track Record indicates the number of years a fund has been in existence. A net expense ratio reflects the actual expenses that have been paid by the fund and reflects any voluntary waivers, reductions from brokerage service arrangements and any other expense offset arrangements NotPassingPassing Scoring Threshold 7 Investments are scored in a 12 point format, 17% toward style consistency, 33% toward performance, 33% toward risk/return measures and 17% toward qualitative factors.
  • 36. PROVIDER EXECUTIVE SUMMARY COST DIFFERENCE (AS A % OF ASSETS) COST DIFFERENCE (AS A DOLLAR AMOUNT)QUALITATIVE SCORE TOTAL PLAN COST 8.2 0.68% -0.08% -$4,580 7.9 0.85% 0.09% $5,153 7.7 0.76% 0.00% 6.9 0.87% 0.11% $6,298 6.4 0.72% -0.04% -$2,290  Represents Current Provider Assumptions: Total Plan Assets: $5,600,000; Participant Balances: 100; Annual Distributions: $100,000; Annual Contributions: $350,000 $0
  • 37. HOW THEY SCORED 8.20 7.90 7.70 6.9 6.4 6.1 0.68% 0.85% 0.76% 0.87% 0.72% 0.53% 0% 0.1% 0.2% 0.3% 0.4% 0.5% 0.6% 0.7% 0.8% 0.9% 1% 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 9.00 10.00 Empower Retirement (Great West) MassMutual Financial Group Voya (formerly ING) Principal Financial Group OneAmerica Ascensus Qualitative Score Total Plan Cost Note: Weighted qualitative scores are ranked from high (left) to low (right).
  • 39. CRITERIA Plan Sponsor Support Technology Fiduciary Services Participant Experience Investment Flexibility
  • 40. QUALITATIVE SCORING BREAKDOWN WEIGHTED QUALITATIVE SCORE INVESTMENT FLEXIBILITY PLAN SPONSOR SUPPORT TECHNOLOGY FIDUCIARY SUPPORTPARTICIPANT EXPERIENCE Client Preferences 5 9 9 710 9.5 7.7 7.8 7.28.08.2 8.2 8.0 7.5 8.07.97.9 7.0 8.0 8.0 7.58.07.7 6.7 7.5 6.4 7.76.86.9 6.0 7.3 5.8 6.07.26.4
  • 41. INVESTMENT FLEXIBILITY 14.29 PLAN SPONSOR SUPPORT 12.86 TECHNOLOGY 11.43 FIDUCIARY SUPPORT 12.86 PARTICIPANT EXPERIENCE 11.43 PROVIDER QUALITATIVE DETAIL QUALITATIVE SCORE 62.86 Investment Flexibility Securian offers a unique approach to choosing the investment lineup that stresses lowest- cost share classes. While their philosophy is nice for plans that favor a low-cost lineup, it is difficult to accommodate plans that desire full open architecture. Plan Sponsor Support Securian tends to be right in line with industry peers in terms of Plan Sponsor Support. A dedicated contact comes standard to any plan, and several process are in place to help the Plan Sponsor navigate the needs of the retirement plan efficiently. Technology Securian's participant and plan sponsor websites are robust and offer several tools and calculators to help the employer and employees make sound financial decisions. Fiduciary Support Securian tends to score low/average with Fiduciary Support. Participant Experience Participant Experience is a high point for Securian, who can customize several different programs to address the needs of participants.
  • 43.  Represents Current Provider. Costs are in order of lowest to highest. 1. Assumptions: Total Plan Assets: $5,600,000; Participant Balances: 100; Annual Distributions: $100,000; Annual Contributions: $350,000 PROVIDER COST COMPARISON1 43 | Page COST DIFFERENTIAL (AS A % OF ASSETS) COST DIFFERENTIAL TOTAL PLAN COST (AS A % OF ASSETS) COST PER PARTICIPANT EMPLOYER PAID COSTS 0.53% -0.23% -$13,047.5 $305 0.00% 0.68% -0.08% -$4,580 $389 0.00% 0.72% -0.04% -$2,290 $412 0.00% 0.76% 0.00% $0 $435 0.00% 0.85% 0.09% $5,152.5 $487 0.00%
  • 44. PROVIDER COST DETAIL 4444 | Page 0.53% TOTAL COST DIFFERENCE: This value represents the percentage cost difference between this proposal and the total current estimated plan costs. Expressed as a dollar amount this equates to: -$13,048 The sum of all estimated plan costs including the administration, record-keeping, advisory, fiduciary, consulting, financial wellness and investment expenses. This fee does not include transactional expenses such as loans or distributions (detailed on separate slide). Expressed as a dollar amount this equates to $30,463. AVERAGE COST DIFFERENCE PER PARTICIPANT: -$177 TOTAL PLAN COST The estimated asset based charge that will be assessed against plan assets. Expressed as a dollar amount this equates to $. CONTRACT ASSET CHARGE: % EMPLOYER PAID COST: The total of all employer paid costs (if any). Expressed as a dollar amount this equates to $4,700.00. 0.08% WEIGHTED INVESTMENT COST: The estimated weighted investment expenses based on proposed participant allocations. Expressed as a dollar amount this equates to $27,480. 0.48% -0.23% ADMINISTRATION & RECORDKEEPING SERVICES: The revenue requirement to perform the Plan Administrative (0.00%) and Record-keeping (0.08%) functions. PENSIONMARK SERVICES: The revenue requirement to perform the Fiduciary Support/Plan Consulting services (0.00%), Investment services (0.00%), and Employee Financial Wellness Program (0.00%). COST BREAKDOWN 0.08% 0.00% HOW ARE THESE COSTS ASSESSED? INVESTMENT MANAGEMENT: The cost of investment management services, net of (0.03%) revenue used to offset plan expenses. 0.45%
  • 46. WE BELIEVE Make no mistake, we’d love to do business with you. But we see things a certain way, and we want to work with those who believe what we believe.
  • 47. WE BELIEVE If you’re tired of the burden of retirement planning affecting your every step, we can help you and your employees alleviate it.
  • 48. WE BELIEVE If you believe the road to changing the landscape of retirement planning begins with more educated employees, that’s exactly what we’re here to do.
  • 49. WE BELIEVE If you believe one size doesn’t fit all, we’ll help you design the plan that’s suits you perfectly.
  • 50. WE BELIEVE If you’re ready to challenge the status quo of retirement planning and think about things differently, let’s get there together.
  • 51. WE BELIEVE If you believe true customer service means making help available around the clock, we’re standing by.
  • 52. WE BELIEVE If in the grand scheme of retirement planning, you believe there’s a better way, we do too. Let us help you get there.

Hinweis der Redaktion

  1. Hired firm that specialized in taking complicated information and putting it in common terms.
  2. WE BELIEVE A LIGHT SWITCH IS ONLY AS GOOD AS THE POWER BEHIND IT When you walk in your home, you’re able to illuminate your surroundings with the simple flip of a switch. Devices that we use everyday to keep our food safe, our minds stimulated and our lives connected are all powered by the voltage running through our walls. Electricity is what keeps us moving forward. You expect it to work whenever you need it. The most effective electrical wirings are the ones that deliver incredible reliability to keep your life powered without you ever needing to mess with the circuitry yourself.
  3. Can we take out one of the clicks? Make the lightbulb brighten and the text appear at the same time?
  4. You Shouldn’t Have to Walk with a Pebble in Your Shoe Have you ever walked around all day with a pebble in your shoe? Until you get the little pesky annoyance out, you might not even realize that it was causing such discomfort. For millions of employers and individuals, the burden of understanding retirement plans is that irritating little rock. The complexity and uncertainty of not knowing what the future will hold can poke and pry at your every step, leaving you uncertain about how put your next foot forward.
  5. We believe you shouldn’t have to walk with a pebble in your shoe. At Pensionmark, our team of consultants and financial planners are dedicated to making the retirement plan process as painless and simple as possible, for both employers and individuals. You work hard enough. As you start to head down the road of retirement planning, we believe every step should be as simple and painless as possible.
  6. Please adjust the text to: The Pensionmark Document Vault provides enterprise level document storage for important plan related materials. Fiduciary Documents Financial Wellness/Participant Education Investment Reporting And more
  7. We believe history books aren’t instruction manuals. While valuable lessons can be learned from what’s happened in the past, true success requires thinking about things differently. At Pensionmark, we’re firm believers that the way things have always been done shouldn’t always predict what happens next. Innovation isn’t just about creating new technologies or building fancy gadgets. Truly innovative thinking relies on challenging the status quo and rethinking how things have always been done. It’s about creating a new plan altogether.
  8. We believe in chalkboards and raised hands. It’s never too late to go back to the classroom. Before any decisions about your retirement plan can even be considered, we focus on educating you about how retirement planning works and what your options are. Simply put, we’ll make this stuff make sense. Retirement planning is as important as it gets. These are people’s futures we’re talking about! Unfortunately, these choices aren’t as simple as what shirt to wear to work tomorrow or what you should pack for lunch. 401(k), Investment Governance, Fiduciary, ERISA, Retirement Readiness, etc. etc., we get it: It can feel like a foreign language. Don’t sweat it, we live and breathe this stuff. We’ll breakout the chalkboards and start from square one if we have to and won’t stop until the picture seems clearer.
  9. Change text to “educating you and your employees about how your retirement plan works”
  10. Bump title up so it’s not overlapping the plant. Not a talking box.
  11. Adjust the font size, a few points larger.
  12. Move title off tablet – can we try it somewhere else?
  13. Educational materials delivered directly to your employees.
  14. We believe everyone should have a good tailor. Would you ever buy a suit without trying it ton first? Of course not. Even with all the custom Egyptian wool and hand stitched pieces, the finest suit money can buy will still look like junk if it doesn’t fit. Retirement plans and financial planning should be no different. At Pensionmark, we know that one size does not fit all. We’ll take stock of your circumstances, goals and demographics to optimize and design a plan just for you. Once we have the design and operational features of your plan ironed out we can test the impact of design changes before we make them.
  15. Can we adjust the text box to better fit the text inside? Also, can we take out the click to bring the text box in and just have it show up automatically when we click over from the previous slide?
  16. Troy’s suggestion: plan design more delicate and artistic and OPTIMIZATION is the POP word.
  17. Sample growth of $100,000 Initial Investment over 10 years.
  18. THE GREATEST RETURNS ARE THE ONES WE MAKE TO others Not only is Pensionmark dedicated to helping you make the most informed financial decisions possible, but we believe there’s always more time and money to be invested back into our own communities.
  19. xxxx: client name (editable)
  20. xxxx: client name (editable)
  21. this might to stay pretty well blank for them to plug graphs into
  22. xxxx: client name (editable)
  23. • Plan Sponsor Support o What are day-to-day interactions between the vendor and employer like? How efficient and responsive are they in processing contributions and other administrative processes? • Technology o Is the provider staying ahead of the curve or stuck in the stone-age? A commitment to innovation and forward thinking lies at the core of Pensionmark, so we closely evaluate the functionality of a provider’s record keeping, as well as the back end utility of employer and employee websites. • Fiduciary Services o How effectively is the vendor assisting the employer with their respective fiduciary responsibilities? This includes measures to track and monitor fiduciary compliance, delivering participant notifications as well as directly addressing legislative issues surrounding retirement readiness. • Participant Experience o Is the vendor directly engaging employees? Do employees have opportunities through website interfaces, printed materials, or call centers to find the answers they need in a timely manner? • Investment Flexibility o At Pensionmark, we don’t care much for pigeonholes. We take pride in helping our clients explore what’s right for them, rather than one size fits all solutions. Here vendors are evaluated based on their ability to provide a broad range of diversified investment options to employees.
  24. xxxx: client name (editable)