For years, the world of retirement has been a static, intimidating, and confusing one.

At Pensionmark, we believe there’s a better way.

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HOW WE HELP OUR CLIENTS

PROVIDERANALYSIS

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HOW WE HELP OUR CLIENTS

AT THE CENTEROF IT ALLAs the intermediary between the employer and service providers, our mission is to provide unparalleled service that exceeds our client’s needs.

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.

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.

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 CONNECTPROGRAM

ONE-ON-ONE EMPLOYEE CONSULTATIONS

Personalized attention

EDUCATIONALWEBINARS

GROUPEDUCATIONAL

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

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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

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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.

PROVIDER ANALYSIS2015 Pensionmark 401(k) RFI

PROVIDER EXECUTIVE SUMMARY

PROVIDER EXECUTIVE SUMMARYCOST DIFFERENCE(AS A % OF ASSETS)

COST DIFFERENCE(AS A DOLLAR AMOUNT)QUALITATIVE

SCORETOTAL 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 ProviderAssumptions: Total Plan Assets: $5,600,000; Participant Balances: 100; Annual Distributions: $100,000; Annual Contributions: $350,000

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0.1%

0.2%

0.3%

0.4%

0.5%

0.6%

0.7%

0.8%

0.9%

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8.20 7.90 7.706.90 6.40 6.10

0.68%

0.85%0.76%

0.87%

0.72%

0.53%

Qualitative Score Total Plan CostNote: Weighted qualitative scores are ranked from high (left) to low (right).

QUALITATIVE ANALYSIS2015 Pensionmark 401(k) RFI

CRITERIA

Plan Sponsor SupportTechnologyFiduciary ServicesParticipant ExperienceInvestment Flexibility

QUALITATIVE SCORING BREAKDOWNWEIGHTED

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 FLEXIBILITY14.29

PLAN SPONSOR SUPPORT12.86

TECHNOLOGY11.43

FIDUCIARY SUPPORT12.86

PARTICIPANT EXPERIENCE11.43

PROVIDER QUALITATIVE DETAIL

QUALITATIVE SCORE62.86

Investment FlexibilitySecurian 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 SupportSecurian 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.

TechnologySecurian'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 SupportSecurian tends to score low/average with Fiduciary Support.

Participant ExperienceParticipant 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

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COST DIFFERENTIAL

(AS A % OF ASSETS)

COSTDIFFERENTIAL

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

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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 BREAKDOWN0.08%

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 BELIEVEMake 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 BELIEVEIf you’re tired of the burden of retirement planning

affecting your every step, we can help you and your employees alleviate it.

WE BELIEVEIf 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 BELIEVEIf you believe one size doesn’t fit all, we’ll help you

design the plan that’s suits you perfectly.

WE BELIEVEIf you’re ready to challenge the status quo of retirement planning and think about things

differently, let’s get there together.

WE BELIEVEIf you believe true customer service means making help available around the clock, we’re standing by.

WE BELIEVEIf in the grand scheme of retirement planning,

you believe there’s a better way, we do too. Let us help you get there.